Lake Carmel, New York, 2008
Lake Carmel’s story
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Lake CarmelNY
The town, home to 7,854 people, lies in New York.
3 bordering townsMap →
Photo: Daniel Case · CC BY-SA 3.0
Population
7,854
Census survey, 2020–24
Median home value
$364K
Census ACS
Household income
$109K
median
Median age
40.3
years
Jobs based here
926
A commuter town
Is Lake Carmel a good place to live?
Lake Carmel’s average commute is 36 minutes, above both the New York town median (25 minutes) and the median of U.S. towns (25 minutes). 14% of the land in Lake Carmel is conserved, above both the New York town median (5.2%) and the median of U.S. towns (4.3%). We don’t grade Lake Carmel yet; the figures below are still real.
A commuter town
95% of working residents leave Lake Carmel for work
Where Lake Carmel’s working residents go each day. Line width shows the share.
926jobs based in Lake Carmel
5%of working residents work in town
27 mimedian commute distance
Census LEHD 2023
The data
Ordered by what stands out in Lake Carmel.
Natural hazards
Very low risk in Lake Carmel, with inland flooding at the top
5risk score of 100
Expected losses in Lake Carmel break down as 53% from inland flooding and 10% from cold waves. On expected storm and flood damage, Lake Carmel sits below 95% of U.S. communities. 16 flood insurance claims have been paid here since 1979.
FEMA risk score
Inland floodingCold wavesStrong wind
16
paid flood claims since 1979
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
Work & commute
Most of Lake Carmel’s workers head elsewhere: there are 0.2 jobs for each of them
5%work in town
The median commute is under 27 miles. The typical household income for Lake Carmel comes to $109,000. For most workers, Lake Carmel is a place to come home to: only 5% work in town. Employers in Lake Carmel added 159 jobs between 2013 and 2023, to 926.
| Lake Carmel | New York towns | U.S. towns | |
|---|---|---|---|
| Median household income | $109,000 | $82,000 | $80,000 |
| Working residents who work in town | 4.7% | 10% | 8% |
| Below the poverty line | 8.3% | 9.5% | 9.6% |
Where working residents work
In Lake Carmel5%
New York24%
Carmel10%
Kent6%
Southeast5%
27 mi
median commute distance
926
jobs based in Lake Carmel
A commuter town
jobs vs. working residents
Census LEHD 2023 · ACS
Climate
Lake Carmel: snowy winters and pleasant summers
58″snow a winter
Lake Carmel has chilly, snowy winters and pleasant summers, with plenty of rain. Summer afternoons peak near 83° in July, and January nights bottom out around 18°; snowfall runs to about 58 inches a winter.
Typical low → high °F
Winter21–38°
Spring37–59°
Summer60–81°
Fall42–62°
Oct 25
typical first frost
Apr 21
typical last frost
+1.9°
vs. the 20th-century average
NOAA U.S. Climate Normals, 1991–2020
Outdoors
13.9% of the land in Lake Carmel is protected from building
13.9%conserved
Across 2 parks and preserves: 0.8 miles of trail. Lake Carmel’s density of trails is 0.2 miles per square mile.
13.9%
conserved · 491 of 3,538 acres
0.8 mi
of trails · 0.1 per sq mi
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Ryan's Field | — | 19 |
| 2. Hill and Dale Community Park | — | 1 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Health
How healthy Lake Carmel is
12% of Lake Carmel adults report frequent physical distress. On the CDC’s 32 measures, Lake Carmel is ahead of New York on 7 and behind on 1. Two figures for adults here: 29% have obesity, 15% report frequent mental distress.
| Lake Carmel | New York towns | U.S. towns | |
|---|---|---|---|
| Depression (CDC PLACES) | 18% | 21% | 23% |
| Obesity (CDC PLACES) | 29% | 33% | 35% |
| Frequent mental distress (CDC PLACES) | 15% | 16% | 17% |
| High blood pressure (CDC PLACES) | 31% | 34% | 35% |
32 measures vs. New York
7 better24 too close to call1 worse
| What stands out | Lake Carmel | NY |
|---|---|---|
| Fewer adults facing food insecurity | 12.6% | 17.2% |
| Fewer adults without reliable transportation | 6.7% | 8.6% |
| More adults who have had cancer | 8.8% | 7.7% |
Putnam Hospital Center
4.5 mi away · emergency room
None
primary care, dental or mental-health shortage
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Who lives here
An age mix much like New York’s
40.3median age · NY 39.8
By age, Lake Carmel looks like New York: each broad group is within 4 points. The bachelor’s-degree share among adults 25 and older is 35%, against 40% across New York. 23% of residents are under 18 here.
| Lake Carmel | New York towns | U.S. towns | |
|---|---|---|---|
| Under 18 | 23% | 20% | 22% |
| Bachelor’s degree or more, 25+ | 35% | 32% | 29% |
| Median age | 40.3 years | 43 years | 40.5 years |
Lake CarmelNew YorkUnited States
Ages · share of residents
15%
Education · adults 25 and older
No diploma8%
High school34%
Some college13%
Associate’s10%
Bachelor’s22%
Graduate13%
Women and men · all residents
50% women, 50% men
That’s an even split within the survey’s margin of ±3.2 points. Across New York, 51.2% of residents are women.
| Lake Carmel | NY | U.S. | |
|---|---|---|---|
| Under 10 | 12.1% | 11% | 11.6% |
| 10 to 17 | 10.6% | 9.5% | 10.3% |
| 18 to 24 | 9.1% | 8.9% | 9.1% |
| 25 to 34 | 12.6% | 14.2% | 13.7% |
| 35 to 44 | 12.8% | 13% | 13.2% |
| 45 to 54 | 15.2% | 12.2% | 12.2% |
| 55 to 64 | 13.3% | 13.3% | 12.7% |
| 65 to 74 | 9.3% | 10.3% | 10.2% |
| 75 and older | 5% | 7.6% | 7% |
| No diploma | 7.8% | 12% | 10.4% |
| High school | 34.3% | 24.3% | 26% |
| Some college | 13.3% | 14.6% | 19.1% |
| Associate’s | 10% | 8.8% | 8.8% |
| Bachelor’s | 21.5% | 22.4% | 21.6% |
| Graduate | 13% | 17.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates
Housing
A home in Lake Carmel sells for about $420K at the median
$420Kmedian sale price
The going rate for rent in Lake Carmel is $1,565 a month. The share of households in Lake Carmel who own their home: 86%. Homes sold in Lake Carmel spent a median 39 days on the market.
| Lake Carmel | New York towns | U.S. towns | |
|---|---|---|---|
| Median rent | $1,565 a month | $1,101 a month | $1,185 a month |
| Households that own their home | 86% | 75% | 73% |
Market temperature
39
days on market
100.4%
sale-to-list price
9
homes sold in September
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Keep exploring
Everything we know about Lake Carmel
16pages on Lake Carmel
The big questions
Out and about
Day to day
Nearby attractions
All 567 attractions →United States Military Academy and 86 more within 40 miles
Museums, parks, gardens and other places to visit around Lake Carmel. Close and well known come first.
Big draw15 mi MuseumUnited States Military Academy
30 mi LandmarkFerncliff Cemetery
24 mi National Historic SiteHome of Franklin D. Roosevelt National Historic Site102K visitors a year
11 mi LakeCandlewood Lake
3 mi State parkWonder Lake State Park
16 mi Stadium & arenaMichie StadiumSources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits
United States Military Academy: USMA Public Affairs Office, Public domain · Ferncliff Cemetery: Anthony22 at English Wikipedia, CC BY-SA 3.0 · Home of Franklin D. Roosevelt National Historic Site: Crunch, CC BY-SA 4.0 · Candlewood Lake: Carol M. Highsmith, Public domain · Wonder Lake State Park: Anthony22 (talk), CC BY-SA 3.0 · Michie Stadium: John Pellino, Public domain
Getting set up
Moving to Lake Carmel: who provides what
Lake Carmel is unincorporated, so Putnam County and regional agencies provide most services.
PowerNew York State Elec & Gas22.6¢/kWh · EIA 2025HIFLD · EIA
WaterHill Sparrow Master HOA water system14 health-based violations in 5 years · EPAEPA
Internet3 providers100% of addresses get 100/20 MbpsFCC
Trash & county servicesPutnam CountyPutnam County provides services here
Register to voteOnlineIn New York you can register online until 10 days before Election Day, in person until 10 days before Election Day, or by mail (postmarked 15 days before and received 10 days before).vote.govWho runs elections herePutnam County Board of ElectionsPutnam County; contacts on the Handbook page.FVAP, Jul 2019
ZIP code1051210512 100%Census 2020
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Aug 3, 2026.
After high school
Colleges nearby
1 within 15 miles of the center of Lake Carmel
About 5 of every 100 Lake Carmel residents are enrolled in college, against 7 across New York.
About Lake Carmel
Census-designated place in New York, United States
Lake Carmel is a hamlet and census-designated place in the town of Kent in Putnam County, New York, United States. As of the 2020 census, Lake Carmel had a population of 8,069. The hamlet is centered around Lake Carmel, a 1.6 mile long manmade lake in the southeastern corner of the township and just north of hamlet of Carmel within the town of Carmel. The lake and surrounding community was developed by the Smadbeck brothers, who excavated and dammed a swamp in the 1920s and sold lots through the now-defunct New York Daily Mirror. The hamlet is the seat of the volunteer Lake Carmel Fire Department; its fire district covers the eastern half of the township, and of the Kent town government.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 5.5 sq mi
- Elevation
- 801 ft
Lake Carmel’s neighbors
3 towns share a border with Lake Carmel.
KentPattersonCarmelLake Carmel
How the neighbors grade
| Town | NY rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Lake Carmel | — | — | — | — | — | — |
| Kent | #141 | A− | D | A | B− | A |
| Patterson | #505 | C+ | D− | — | B− | B+ |
| Carmel | #79 | A | D | A | B+ | A |
Patterson reports no FBI crime data of its own. Lake Carmel isn’t graded (fewer than 1,000 residents, or not enough data). Compare Lake Carmel with a neighbor →
Questions about Lake Carmel
Short answers, built from the data on this page.
Is Lake Carmel, NY a good place to live?
We don’t grade Lake Carmel yet; the figures below are still real.
Lake Carmel is in here
Say something about Lake Carmel.
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