ZIP Code 10512
standardSource:
Carmel · Putnam County · New York
- Population
- 25,590
- Median income
- $117,701
- Median home value
- $410,500
- Bachelor's or higher
- 43.4%
- Land area
- 141.3 sq mi
181/sq mi
▲ 54% vs US
higher than 90% of US ZIPs
▲ 48% vs US
higher than 80% of US ZIPs
Median age 44.7
New York
ZIP code 10512 in Carmel, New York has a population of 25,590. The median household income is $117,701, which is 54% above the national average. Median home value is $410,500, 48% above the US average. 43.4% of residents hold a bachelor's degree or higher.
ZIP code 10512 is classified by USPS as a standard delivery area and covers roughly 141.3 square miles in Carmel, Putnam County, New York. The area is home to 25,590 residents, producing a population density of 181 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 10512 against New York and the nation.
On the economic side, the median household income for ZIP 10512 sits at $117,701 (27% above the New York average), while per-capita income is $54,284. The poverty rate stands at 6.8% and the unemployment rate at 3.7%. On housing, the median home value is $410,500 (9% above the state average) with median rent at $1,492 per month, and 82.7% of occupied units are owner-occupied, a direct signal of whether 10512 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 43.4% of adults hold a bachelor's degree or higher, the median age is 44.7, and the average commute is 39 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Putnam County, so you can benchmark 10512 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 10512
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 10512.
- Construction
Construction
127 establishments
- Health care and social assistance
Health care and social assistance
85 establishments
- Other services (except public administration)
Other services (except public administration)
70 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
65 establishments
- Retail trade
Retail trade
56 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 10512, Carmel, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
25,590
Population
141.3
Area (sq mi)
181
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10512?
44.7
Median Age
48.5%
Male
51.5%
Female
13.5%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$117,701
Median Household Income
+27% vs state
$54,284
Per Capita Income
6.8%
Poverty Rate
3.7%
Unemployment Rate
38.5 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
9,806
Total Housing Units
9,232
Occupied Units
574
Vacant Units
2.58
Avg Household Size
Occupancy Type
$410,500
Median Home Value
+9% vs state
$1,492
Median Rent
1972
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+8.1%
YoY Change (2024)
213
HPI Index (2000 = 100)
+113%
Total Change Since 2000
Home values in ZIP 10512 have increased 8.1% over the past year (2024). Since 2000, this ZIP has seen +113% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.7% | 150 |
| 2021 | +11.1% | 167 |
| 2022 | +13.6% | 189 |
| 2023 | +4.2% | 197 |
| 2024 | +8.1% | 213 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 632 business establishments in ZIP 10512, employing approximately 5,107 people with a combined annual payroll of $298,017,000.
632
Businesses
5,107
Employees
$298.0M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 127 | 20.1% |
| Health care and social assistance | 85 | 13.4% |
| Other services (except public administration) | 70 | 11.1% |
| Professional, scientific, and technical services | 65 | 10.3% |
| Retail trade | 56 | 8.9% |
| Administrative and support and waste management and remediation services | 55 | 8.7% |
| Accommodation and food services | 48 | 7.6% |
| Wholesale trade | 20 | 3.2% |
| Arts, entertainment, and recreation | 20 | 3.2% |
| Manufacturing | 18 | 2.9% |
| Transportation and warehousing | 17 | 2.7% |
| Finance and insurance | 17 | 2.7% |
| Real estate and rental and leasing | 15 | 2.4% |
| Information | 11 | 1.7% |
| Educational services | 6 | 0.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 10512 vs 10541 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10541 | Mahopac, NY | 26,339 | 5.2 mi |
| 12582 | Stormville, NY | 6,191 | 6.7 mi |
| 12531 | Holmes, NY | 3,601 | 6.4 mi |
| 10589 | Somers, NY | 8,475 | 8.3 mi |
| 10505 | Baldwin Place, NY | 851 | 7.6 mi |
| 10509 | Brewster, NY | 19,507 | 6.6 mi |
| 10519 | Croton Falls, NY | 316 | 7.4 mi |
| 10578 | Purdys, NY | 681 | 9.3 mi |
| 12563 | Patterson, NY | 8,084 | 7.2 mi |
| 10579 | Putnam Valley, NY | 8,675 | 7.5 mi |
More ZIP Codes in Putnam County
Related Areas
Frequently Asked Questions
What county is ZIP code 10512 in? ▼
What is the population of ZIP code 10512? ▼
What is the median household income in ZIP 10512? ▼
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What is the demographic makeup of ZIP 10512? ▼
How many businesses are in ZIP code 10512? ▼
What are the main industries in ZIP code 10512? ▼
How have home values changed in ZIP code 10512? ▼
What is the education level in ZIP code 10512? ▼
What is the average commute time in ZIP 10512? ▼
What percentage of residents own vs. rent in ZIP 10512? ▼
What is the poverty rate in ZIP code 10512? ▼
ZIP Code Research Guides
Official Data Resources for Carmel, NY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.