Moving to Lake Carmel
Putnam County loses about 3.0 residents per 1,000 a year to moves between counties.
Where people come from and where they go, top counties
Within New York, other states or abroad
Income per tax return
People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Putnam County; flows under 20 returns are not published.
- Who moves here
- 11.0% of residents arrived from another county in the past year, 1.5% from another state.
- Who arrives and who leaves
- Households moving into Putnam County report $96,800 a year in income on average; those leaving, $106,900, so leavers earn more than newcomers.
- Income you would need
- $62,600 a year to rent the median home at the 30% line. From your city
- Rent or buy
- Median rent is $1,565 a month; owners with a mortgage pay $2,634 a month including taxes and insurance, on a median home of $363,700.
- Getting to work
- 36 minutes each way on average; 10.6% work from home; 2.4% take transit.
- If it is close but not quite
- Holbrook, MA matches it on character for less of your income. Compare the two
All 5 moving measures
| Measure | Lake Carmel | Among 6,645 places | Vs median |
|---|---|---|---|
| Moved here in the past year1 | 11.0% | 92% above | |
| Moved from another state1County figure | 1.5% | 25% below | |
| Net movers per 1,000 people7County figure | -3.0 | 400% below | |
| Income of households moving in7County figure | $96,775 | 37% above | |
| Income of households moving out7County figure | $106,860 | 52% above |
What it costs to live here
91% of renter households spend 30% or more of income on rent, a higher share than in 99% of the 2,214 places under 10,000 people we track.
Could you afford it?
Uses the median rent in Lake Carmel, $1,565 a month, and local prices for everything else (105.2 against a US average of 100). It runs in your browser and stores nothing.
Like Lake Carmel, but easier on the budget
Places that match Lake Carmel on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.
Moving from somewhere else? Work out the salary you would need in Lake Carmel.
All 16 cost and housing measures
| Measure | Lake Carmel | Among 6,645 places | Vs median |
|---|---|---|---|
| Median gross rent1 | $1,565 | 15% above | |
| Rent to income1 | 17.2% | 16% below | |
| Property tax rate1 | 2.5% | 170% above | |
| Home price to income1 | 3.3x | 12% below | |
| Prices vs US average2Metro figure | 112.6 | 12% above | |
| Fair market rent, 2 bedrooms3County figure | $2,971 | 84% above | |
| HUD area median income4County figure | $104,300 | 3% below | |
| Property tax paid (median)1 | $8,957 | 174% above | |
| Median home value1 | $363,700 | 14% above | |
| Home prices, 1-year change5County figure | 3.7% | 16% above | |
| Home prices, 5-year change5County figure | 48.5% | 6% below | |
| Homeownership1 | 85.9% | 29% above | |
| Renters paying 30%+1 | 91.0% | 80% above | |
| Owner costs with a mortgage1 | $2,634 | 41% above | |
| Vacant homes1County figure | 7.6% | 7% above | |
| Median year built1 | 1957 | 1% below |
Work and pay
Mean commute is 36 min, 44% above the median place.
More on work and pay, against the typical place
All 10 work and pay measures
| Measure | Lake Carmel | Among 6,645 places | Vs median |
|---|---|---|---|
| Median household income1 | $109,243 | 36% above | |
| Income per person1 | $48,424 | 21% above | |
| Unemployment1 | 3.9% | 20% below | |
| Average annual pay6County figure | $69,372 | 5% above | |
| Pay growth, 1 year6County figure | 2.7% | 27% below | |
| Jobs6County figure | 26,879 | 82% below | |
| Poverty rate1 | 8.3% | 23% below | |
| Mean commute1 | 36 min | 44% above | |
| Works from home1 | 10.6% | 15% below | |
| Commutes by transit1 | 2.4% | 182% above |
Who lives here
No health insurance is 3.0%, 53% below the median place.
More about who lives here, against the typical place
All 8 people measures
Life in Lake Carmel
The nearest National Park Service site is Weir Farm National Historical Park, about 18 miles away.
50 sites are on the National Register of Historic Places, 3 of them National Historic Landmarks. Its history on Wikipedia
Out the door, against the typical place
Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.
National Park Service sites nearby
- Weir Farm National Historical Park 18 miles
- Eleanor Roosevelt National Historic Site 24 miles
- Home of Franklin D. Roosevelt National Historic Site 25 miles
Businesses per 10,000 residents (county figures)
Counts businesses with paid staff, so small owner-run shops are not included.
All 18 schools and local life measures
| Measure | Lake Carmel | Among 6,645 places | Vs median |
|---|---|---|---|
| Public schools12County figure | 21 | 133% above | |
| Public school students12County figure | 12,955 | 165% above | |
| Students per teacher12County figure | 11.0 | 29% below | |
| Restaurants and bars per 10k8County figure | 21.6 | 4% above | |
| Shops per 10k8County figure | 28.7 | 5% below | |
| Arts, recreation and fitness per 10k8County figure | 9.6 | 134% above | |
| Doctors' offices and clinics per 10k8County figure | 17.4 | 14% below | |
| Child care centers per 10k8County figure | 3.3 | 43% above | |
| Parks per 10k9 | 5.1 | 50% below | |
| Playgrounds per 10k9 | 3.8 | 59% below | |
| Grocery stores per 10k9 | 0.0 | below (median 2.1) | |
| Restaurants, cafes and bars per 10k9 | 1.3 | 89% below | |
| Libraries per 10k9 | 0.0 | below (median 0.9) | |
| Named paths and bike trails9 | 0.0 | below (median 2.0) | |
| Transit stops per sq mi9 | 0.0 | below (median 0.2) | |
| Nearest National Park Service site10 | 17.9 | 42% below | |
| National Park Service sites within 60 miles10 | 18 | above (median 2) | |
| National Register listings11County figure | 50 | 285% above |
Safety, weather and risk
Good air days is 94.2%, 38% above the median place.
No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Lake Carmel. Larger places are fetched first.
All 11 weather and risk measures
| Measure | Lake Carmel | Among 6,645 places | Vs median |
|---|---|---|---|
| July average high13County figure | 83°F | 4% below | |
| January average low13County figure | 18°F | 28% below | |
| Average temperature13County figure | 50°F | 9% below | |
| Annual precipitation13County figure | 48.3 in | 10% above | |
| Natural hazard risk14County figure | 39.8 | 57% below | |
| Hurricane risk14County figure | 73.2 | 4% above | |
| Tornado risk14County figure | 29.8 | 63% below | |
| Wildfire risk14County figure | 19.7 | 68% below | |
| Heat wave risk14County figure | 47.6 | 47% below | |
| Median air quality index15County figure | 33 | 23% below | |
| Good air days15County figure | 94.2% | 38% above |
How it is changing
Household income rose 4.1% a year while rent rose -2.8% between the 2019 and 2024 surveys, pay gained on rent more than in 93% of the 2,476 places under 10,000 people we track.
Five-year survey estimates, one point per release. Between the 2019 and 2024 releases, which share no survey years, the median rent went from 24.3% to 17.2% of the median income.
Median gross rent
Median household income
Median home value
Citytistics measures
Measures only Citytistics publishes, built from the figures on this page. Scores of 100 beat every place we track. Formulas
Lake Carmel in 2030: where the trends point
If recent trends hold, the median rent will take about 17% of the median income in 2030, down from 17% now.
Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Lake Carmel does better than 74% of places. Its projected home value growth beats 22%.
| Measure | Latest | 2030 projection | Likely range | Avg. per year |
|---|---|---|---|---|
| Median rent | $1,565/mo (2024) | $1,920/mo | $1,570 to $2,340/mo | +3.5% |
| Median household income | $109,243 (2024) | $139,000 | $117,500 to $164,500 | +4.1% |
| Median home value | $363,700 (2024) | $511,000 | $371,000 to $705,000 | +5.8% |
The median home would be worth 3.7 years of the median income in 2030, against 3.3 now.
A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.
Places like Lake Carmel
The closest matches on income, rent, home value, education and age, and the places nearby.
| Place | Rent | Income | |
|---|---|---|---|
| Glenarden, MD | $1,620 | $106,414 | Compare |
| Hightstown, NJ | $1,606 | $108,987 | Compare |
| Bartlett, TN | $1,638 | $102,070 | Compare |
| Crown Point, IN | $1,485 | $101,686 | Compare |
Nearby
- Carmel, NY3 mi
- Mahopac, NY7 mi
- Danbury, CT11 mi
- Jefferson Valley-Yorktown, NY11 mi
- Lake Mohegan, NY13 mi
- Myers Corner, NY14 mi
Compare Lake Carmel with
More in this area
Places built like Lake Carmel
Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Lake Carmel performs against places like it.
| Place | Rent to income | Income growth | Pop. change | |
|---|---|---|---|---|
| Lake Carmel, NY | 17.2% | 4.1%/yr | n/a | |
| Milltown, NJ | 10.2% | 6.8%/yr | 0.8% | Compare |
| White Horse, NJ | 23.2% | 3.2%/yr | n/a | Compare |
| North Patchogue, NY | 25.3% | 0.7%/yr | n/a | Compare |
| Plainedge, NY | 25.6% | 5.1%/yr | n/a | Compare |
| Union Beach, NJ | 25.8% | 6.4%/yr | -0.1% | Compare |
| Pompton Lakes, NJ | 17.8% | 4.0%/yr | 1.0% | Compare |
Common questions
Is Lake Carmel a good place to live?
It depends on what you need, so here is what the numbers say. Its Citytistics Index is 44 out of 100, better than 44% of the places we rate and 205th of 340 in New York. Homeowners pay a median of about 2.5% of home value a year in property tax, more than in 96% of the 2,266 places under 10,000 people we track. Compared with the 25 places most like it in size, age, education, housing and region (such as Milltown, NJ, White Horse, NJ and North Patchogue, NY), home value growth here is lower: 5.6% a year against a typical 7.4% a year. On cost, space and class size it scores 92 out of 100 for families. See how it ranks with your own weights.
Is Lake Carmel expensive to live in?
The median rent takes 17.2% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $363,700.
What salary do you need to live in Lake Carmel?
To rent the median home without spending more than 30% of income on rent, a household needs about $62,600 a year. Work it out from your current city.
What places are similar to Lake Carmel?
On income, rent, home value, education and age, the closest matches are Glenarden, MD, Hightstown, NJ, Bartlett, TN and Crown Point, IN.
Sources and methods
The small numbers beside each measure point here. Every dataset is public; links go to the publisher.
- American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
- Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
- Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
- Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
- House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
- Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
- SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
- County Business Patterns · US Census Bureau · 2023 data
- OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
- National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
- National Register of Historic Places · National Park Service · Listings through 2026-05-22
- Common Core of Data · National Center for Education Statistics · 2024 release
- 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
- National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
- Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files
Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).
What stands out compares Lake Carmel with places of a similar size, using only figures measured for Lake Carmel itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/lake-carmel-new-york
Citytistics. “Lake Carmel, New York.” Data as of 2026-11-14. https://www.citytistics.com/city/lake-carmel-new-york/
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.