10512 ZIP Code — Carmel, NY

Putnam County, New York

ZIP code 10512 is located in Carmel, New York, within Putnam County. It covers approximately 52.18 square miles and serves a population of 24,256 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10512

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $379,300. Owner-occupancy is high at 85%, well above the national average.

Median household income is $115,656. The poverty rate of 6% is below the national average. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 41 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Overall, ZIP code 10512 reflects a community defined by high homeownership and a significant Social Security-dependent population.

24,256

population

52.18

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10512 ZIP code map

Cities in ZIP code 10512

Below are the cities the US Postal Service accepts for ZIP code 10512. Using any city not on this list may result in mail delivery delays.

City	Status
Carmel	Acceptable
Carmel	Preferred

Nearby ZIP codes

10541 Mahopac (4.2 mi) 10579 Putnam Valley (5.4 mi) 10505 Baldwin Place (6.2 mi) 10509 Brewster (6.7 mi) 12531 Holmes (7.4 mi) 10535 Jefferson Valley (7.6 mi) 12582 Stormville (7.9 mi) 10527 Granite Springs (7.9 mi) 12563 Patterson (8 mi) 10578 Purdys (8.4 mi) 10589 Somers (8.5 mi) 12533 Hopewell Junction (8.6 mi)

Demographics updated 06/2026

Population
Total population	24,256
Population density	465 / sq mi
State FIPS	36
County FIPS	079

Geography
Land area	52.18 sq mi
Water area	5.57 sq mi
Latitude	41.4313
Longitude	-73.7256
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.6%	20.4%	37.0%
$50k – $100k	29.5%	25.8%	27.0%
$100k – $200k	34.0%	37.3%	24.4%
Over $200k	13.9%	16.4%	11.5%

Demographics & statistics

24,256

Population

465

People per sq mi

44.8

Median age

$115,656

Median household income

$53,974

Per capita income

$379,300

Median home value

$1,421

Median monthly rent

84.5%

Home ownership

5.7%

Poverty rate

4.1%

Unemployment

8,535

Housing units

42.5%

Bachelor's or higher

Age distribution

Male Female

552

Under 5

575

473

5–9

494

659

10–14

688

784

15–19

817

619

20–24

646

1,382

25–34

1,441

1,509

35–44

1,573

1,713

45–54

1,786

890

55–59

928

903

60–64

942

1,263

65–74

1,317

772

75–84

804

355

85+

371

← Male

Female →

Age summary

Group	Count	%
Under 18	4,498	18.5%
18 and over	19,758	81.5%
65 and over	4,882	20.1%
Median age	44.8 years

Race & ethnicity

White 70%

Hispanic or Latino 11.9%

Other race 7.9%

Two or more races 5.2%

Black or African American 3.3%

Asian 1.4%

American Indian / Alaska Native 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	19,276	70%
Hispanic or Latino	3,262	11.9%
Other race	2,167	7.9%
Two or more races	1,419	5.2%
Black or African American	917	3.3%
Asian	381	1.4%
American Indian / Alaska Native	82	0.3%
Native Hawaiian / Pacific Islander	14	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.6%	20.4%	37.0%
$50k – $100k	29.5%	25.8%	27.0%
$100k – $200k	34.0%	37.3%	24.4%
Over $200k	13.9%	16.4%	11.5%

Under $10k 1.6%

$10k–$15k 2.3%

$15k–$25k 5.7%

$25k–$35k 5.5%

$35k–$50k 6.6%

$50k–$75k 11.5%

$75k–$100k 9.6%

$100k–$150k 20.8%

$150k–$200k 16.0%

$200k+ 20.4%

Range	% of households
Under $10k	1.6%
$10k–$15k	2.3%
$15k–$25k	5.7%
$25k–$35k	5.5%
$35k–$50k	6.6%
$50k–$75k	11.5%
$75k–$100k	9.6%
$100k–$150k	20.8%
$150k–$200k	16.0%
$200k+	20.4%
Median income	$115,656

Housing

Home values

Under $50k 2.1%

$50k–$100k 0.6%

$100k–$150k 1.8%

$150k–$200k 4.6%

$200k–$300k 18.8%

$300k–$500k 47.2%

$500k–$1M 22.8%

$1M+ 2.2%

Housing overview

Metric	Value
Median home value	$379,300
Median rent / month	$1,421
Owner occupied	84.5%
Renter occupied	15.5%
Vacant	7.0%
Single-family detached	72.0%
Large apartment buildings	5.4%
Mobile homes	0.0%
Median rooms	6.0
Avg household size (owned)	2.67

Year built

Era	%
2020 or later	0.1%
2010–2019	5.1%
2000–2009	10.4%
1990–1999	10.3%
1980–1989	12.0%
1970–1979	16.0%
1960–1969	13.4%
1950–1959	13.3%
1940–1949	7.7%
1939 or earlier	11.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.5%
1 bedroom	11.5%
2 bedrooms	30.0%
3 bedrooms	34.6%
4 bedrooms	16.8%
5+ bedrooms	4.6%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	32.7%
2 vehicles	38.0%
3 or more	25.0%

Heating fuel

Fuel type	%
Utility gas	9.7%
Electricity	29.6%
Propane / LP gas	3.7%
Fuel oil	52.6%
Wood	2.5%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	5,192	56.0%
Cohabiting couple	488	5.3%
Male householder, no spouse	1,391	15.0%
Female householder, no spouse	2,205	23.8%
Households with children under 18	2,666	28.7%
Households with seniors (65+)	3,653	39.4%
Average household size	2.58

Marital status

Status	Male	Female
Never married	34.2%	24.9%
Married	55.2%	51.3%
Separated	1.3%	1.9%
Widowed	2.9%	12.3%
Divorced	6.4%	9.6%

Education

Less than 9th grade 2.8%

Some HS, no diploma 4.4%

HS graduate 27.6%

Some college, no degree 14.9%

Associate's degree 7.9%

Bachelor's degree 24.0%

Graduate / professional 18.5%

Metric	%
HS diploma or higher	92.8%
Bachelor's or higher	42.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	310	5.9%
Kindergarten	193	3.7%
Elementary school	1,914	36.3%
High school	1,566	29.7%
College / grad school	1,289	24.4%

Employment

Industry of employment

Education & healthcare 29.4%

Professional & management 13.4%

Construction 8.7%

Retail trade 8.7%

Public administration 7.2%

Arts, food & hospitality 6.1%

Transportation & utilities 5.9%

Finance & real estate 5.7%

Manufacturing 4.4%

Information 4.1%

Other services 4.0%

Wholesale trade 2.4%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	47.9%
Service	17.8%
Sales & office	16.8%
Natural resources & construction	11.1%
Production & transportation	6.4%

Employment type

Type	%
Private sector	74.1%
Government	20.2%
Self-employed	5.2%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	76.1%
Carpool	8.0%
Public transit	6.1%
Walk	0.8%
Work from home	8.6%
Other means	0.3%
Avg commute (minutes)	41.4

Poverty

All people 5.7%

Under 18 years 5.0%

18 and over 5.9%

Married-couple families 2.5%

Female-led households 10.4%

Income support

Source	% of households
Social Security	41.0%
Retirement income	34.4%
Supplemental Security	5.1%
Cash public assistance	2.0%
Food stamps / SNAP	3.5%

Health indicators

Condition	%
Obesity	26.9%
High blood pressure	27.8%
High cholesterol	31.6%
Diabetes	7.7%
Heart disease	5.1%
Stroke	2.3%
Asthma	9.7%
Arthritis	20.8%
Kidney disease	2.4%
Pulmonary disease	5.2%
Cancer	6.5%

Behavior / access	%
Smoking	13.8%
Binge drinking	18.2%
No physical activity	19.5%
Less than 7 hrs sleep	32.7%
Depression	18.9%
Fair or poor health	9.8%
Poor mental health	13.1%
Poor physical health	8.2%
No health insurance	10.0%
Visited doctor (checkup)	77.6%
Visited dentist	71.9%
Cholesterol screening	92.2%
Teeth loss	10.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,066	5.4%

Disability	%
Any disability	12.9%
Under 18	3.2%
18–64 years	9.3%
65 and over	32.7%

Health insurance coverage

Type	%
Private insurance	82.1%
Public insurance	32.6%
No insurance	1.7%
Uninsured under 19	0.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,129	95.4%
Spanish	986	4.3%
Other Indo-European	641	2.8%
Asian & Pacific Islander	212	0.9%
Other languages	114	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,704	85.4%
Born in same state	20,548	84.7%
Born in different state	17,660	72.8%
Foreign born	156	0.6%
Naturalized citizen	3,552	14.6%
Not a US citizen	2,612	73.5%

Ancestry

Ancestry	Count	%
Italian	4,596	18.9%
Arab	1,656	6.8%
French	1,131	4.7%
English	207	0.9%
Irish	110	0.5%

Ancestry	Count	%
Polish	86	0.4%
German	80	0.3%
Norwegian	29	0.1%
Dutch	13	0.1%

Technology access

Metric	% of households
Computer access	38.2%
Internet access	93.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 10512

What city is ZIP code 10512 in?

ZIP code 10512 is primarily assigned to Carmel, New York.

What county is ZIP code 10512 in?

ZIP code 10512 falls within Putnam County, New York.

Is ZIP code 10512 mostly owner-occupied?

85% of occupied units in ZIP code 10512 are owner-occupied, well above the national average.

Does ZIP code 10512 have a large retiree population?

41% of households in ZIP code 10512 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 10512?

The median home value in ZIP code 10512 is $379,300.

What is the median household income in ZIP code 10512?

The median household income in ZIP code 10512 is $115,656, above the national median of ~$75,000.

What timezone is ZIP code 10512 in?

ZIP code 10512 observes the EST timezone.