PlainZIP

Carmel, NY · standard

ZIP Code 10512

Putnam County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

25,590
181/sq mi
$117,701
Median income
$410,500
Median home value
43.4%
Bachelor's or higher

The verdict

Carmel pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 10%
household income, US ZIPs
Top 20%
home value, US ZIPs
181
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10512 against every reporting US ZIP.

ZIP code 10512 is a densely settled ZIP (a standard USPS delivery area) in Carmel, Putnam County, New York, with 25,590 residents across 141.3 square miles, a density of 181 people per square mile, in the New York time zone.

ZIP 10512 skews affluent, with a median household income of $117,701 (27% above the New York average), while per-capita income is $54,284. Local economic indicators show a 6.8% poverty rate alongside 3.7% unemployment. 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 solid share of residents have a four-year degree: 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 on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 10512

Top 5 sectors by establishment count in Carmel, NY

Which industries have the most business establishments in ZIP 10512.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 10512?

44.7

Median Age

48.5%

Male

51.5%

Female

13.5%

Foreign-Born

White 72.9%
African American 3.5%
Asian 2.4%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 10.0%
Hispanic or Latino 20.5%

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

How ZIP 10512 ranks nationally

Carmel, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$117,701 Top 10% higher than 90% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 69.1%
Bachelor's Degree or Higher 43.4%

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

Owner 82.7%
Renter 17.3%

$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 10512 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 10512 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 10512 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 10512 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

10541 standard
Mahopac, NY
Pop: 26,339
10509 standard
Brewster, NY
Pop: 19,507
10579 standard
Putnam Valley, NY
Pop: 8,675
12563 standard
Patterson, NY
Pop: 8,084
10516 standard
Cold Spring, NY
Pop: 5,289
10524 standard
Garrison, NY
Pop: 4,421

Related Areas

Putnam County Carmel, NY New York

Frequently Asked Questions

What county is ZIP code 10512 in? ▼
ZIP code 10512 (Carmel) is located in Putnam County, New York. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-ny.
What is the population of ZIP code 10512? ▼
ZIP code 10512 in Carmel, NY has a population of 25,590 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10512? ▼
The median household income in ZIP 10512 is $117,701, which is 54% above the national average of $76,288.
What is the average home value in ZIP 10512? ▼
The median home value in ZIP 10512 is $410,500, which is 48% above the national average of $278,155.
What is the demographic makeup of ZIP 10512? ▼
The largest racial group in ZIP 10512 is White at 72.9%. Hispanic or Latino residents make up 20.5% of the population.
How many businesses are in ZIP code 10512? ▼
ZIP code 10512 has 632 business establishments employing approximately 5,107 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10512? ▼
The top industries by establishment count in ZIP 10512 are: Construction (127), Health care and social assistance (85), Other services (except public administration) (70). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 10512? ▼
According to the FHFA House Price Index, home values in ZIP 10512 increased by 8.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 113%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 10512? ▼
In ZIP code 10512, 69.1% of residents aged 25+ have a high school diploma or higher, and 43.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 10512? ▼
The mean commute time for workers in ZIP code 10512 is 38.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 10512? ▼
In ZIP code 10512, approximately 82.7% of occupied housing units are owner-occupied and 17.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10512? ▼
The poverty rate in ZIP code 10512 is 6.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.