Carmel ZIP Code List — Putnam County, NY

There is one unique ZIP code in Carmel, New York and it is 10512. Area code: 845.

ZIP codes

52.18

sq mi land

5.57

sq mi water

845

area code

Carmel, NY ZIP code map

About Carmel, NY

Carmel is a charming town located in Putnam County, New York, known for its picturesque landscapes and small-town vibe. Nestled within the beautiful Hudson Valley, Carmel offers residents a blend of suburban comfort and access to nature. With its rich history and community-oriented atmosphere, it serves as a desirable destination for families and individuals alike.

Location & geography

Carmel is situated approximately 50 miles north of New York City, making it a convenient escape from the bustling metropolis. The town is bordered by several other communities, including Southeast to the east, Mahopac to the south, and Kent to the west, contributing to its diverse regional character. Covering a total area of 57.75 square miles, Carmel features 52.18 square miles of land and 5.57 square miles of water, showcasing a mix of wooded areas, lakes, and open spaces.

Community & economy

Carmel boasts a close-knit community characterized by friendly neighborhoods and a strong sense of pride among its residents. The town's economy is supported by various local businesses, restaurants, and service industries that cater to both residents and visitors. Daily life in Carmel often revolves around outdoor activities, local events, and a commitment to preserving its historic charm.

Transportation

Carmel is easily accessible via major highways, including Route 6 and the Taconic State Parkway, which connect residents to surrounding areas and New York City. The nearest major airport is Westchester County Airport, located approximately 25 miles away, providing convenient travel options for residents. Public transit options are limited, but local bus services connect Carmel to nearby destinations.

History

Carmel was established in the early 18th century, with its roots tracing back to the founding of the town in 1795. The area was once primarily agricultural, supporting local farming industries, but has since developed into a suburban community while maintaining its historical heritage. Notable events in the town's history include the establishment of the Carmel Fire Department in the late 1800s, which reflects the community's commitment to public safety and civic engagement.

Did you know?

One surprising fact about Carmel is that it is home to the historic Carmel Town Hall, built in 1891, which serves as a centerpiece for local governance and community events. Additionally, the town is known for its beautiful lakes, such as Lake Gleneida, which not only enhance the local scenery but also provide recreational opportunities for residents and visitors.

ZIP codes for Carmel, NY (1)

ZIP code	City	County	Map
10512	Carmel	Putnam	View map

Demographics & statistics

24,256

Population

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

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%
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	%
High blood pressure	27.8%
High cholesterol	31.6%
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	%
Binge drinking	18.2%
No physical activity	19.5%
Less than 7 hrs sleep	32.7%
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%
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

What is the ZIP code for Carmel, NY?

Carmel, NY has one ZIP code: 10512.

What is the main ZIP code for Carmel, NY?

The primary ZIP code for Carmel, NY is 10512. The city uses area code 845 for phone service.

What county is Carmel, NY in?

Carmel is located in Putnam County, New York.

How many ZIP codes are in Carmel, NY?

Carmel, NY has 1 ZIP code.

What is the ZIP code for the Carmel hamlet area in Putnam County, NY?

The Carmel hamlet is located in ZIP code 10512, which serves as the primary postal code for this community in Putnam County.

If I'm sending mail to a business in downtown Carmel, NY, what ZIP code should I use?

You should use ZIP code 10512 for any addresses in downtown Carmel and the surrounding Carmel area of Putnam County.