ZIP Code 10512 — Carmel, New York

The median home in 10512 is valued at $401,800 against a median household income of $124,519, a price-to-income ratio of 3.2. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Putnam County, 10512 ranks 2 of 8 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.5. Renting takes 15.5% of median household income (median rent $1,607 a month), under the 30% cost-burden threshold.

10512 ranks 243 of 1,572 statewide on median household income and 466 of 1,572 on median home value; its income is in line with the $125,961 Putnam County median. 83% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 42% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 6.3%, below the 9.9% statewide ZIP median. Unemployment stands at 3.8%.

With 464 residents per square mile across 52.2 square miles of land, 10512 is far denser than the statewide ZIP median of 197 (rank 617 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.