HomeNew YorkFulton CountyCaroga Lake CDP
Caroga Lake CDP, New York: commercial real estate data.
Caroga Lake CDP is a Census CDP of 448 people across 2.50 square miles of land, in Fulton County. Median household income is $55,200, 93.5 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $392,000.
64 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Caroga Lake
What Caroga Lake is
- Census place typeCDP
- Land area2.5 sq mi
- Water area0.87 sq mi
- Population per square mile of land179 plus or minus 51
- County holding the largest share of its areaFulton County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Caroga Lake
How many people live in Caroga Lake
- Population448 plus or minus 127
- Median age62.1
- Population under 1828 plus or minus 28
- Share under 186.3 percent plus or minus 6.1
- Population 65 and over195 plus or minus 77
- Share 65 and over43.5 percent plus or minus 11.8
- Households232 plus or minus 62
- Family households142 plus or minus 49
- Share of households that are families61.2 percent plus or minus 13.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Caroga Lake
Income and work in Caroga Lake
- Median household income$55,200 plus or minus $16,662
- Per capita income$39,960 plus or minus $10,321
- Civilian labor force203 plus or minus 80
- Employed203 plus or minus 80
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over399 plus or minus 119
- Adults 25 and over with a high school diploma or higher87.2 percent plus or minus 35.7
- Adults 25 and over with a bachelor degree or higher9.3 percent plus or minus 6.0
- Adults 25 and over with a graduate degree2.0 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Caroga Lake
Housing in Caroga Lake
- Housing units827
- Occupied units232 plus or minus 62
- Vacant units595
- Vacancy rate71.9 percent
- Owner occupied217 plus or minus 62
- Renter occupied15 plus or minus 24
- Ownership rate93.5 percent
- Median owner-occupied home value$124,700 plus or minus $39,311
- Single family units785
- Share single family94.9 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes42 plus or minus 29
- Median year structure built1948
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Caroga Lake
How Caroga Lake gets to work
- Workers 16 and over who commute185 plus or minus 81
- Commuting under 15 minutes3 plus or minus 15
- Share commuting under 15 minutes1.6 percent plus or minus 8.0
- Commuting 30 minutes or more25 plus or minus 27
- Share commuting 30 minutes or more13.5 percent plus or minus 13.4
- Drove alone95.4 percent
- Carpooled0.0 percent
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home4.6 percent plus or minus 6.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Caroga Lake
SBA loans in Caroga Lake (7(a))
- Approvals1
- Gross approval$392,000
- Average approval$392,000
- Median approval$392,000
- Ninetieth percentile approval$392,000
- Largest approval$392,000
- Jobs supported2
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term268 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fulton County, not Caroga Lake
Fulton County context, not Caroga Lake figures
These are Fulton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Caroga Lake measurements.
- Establishments in Fulton County1,119
- Employment at those establishments, Fulton County13,419
- Covered employment, Fulton County16,102
- Average annual pay, Fulton County$54,770
- Average weekly wage, Fulton County$1,053
- Housing units permitted, Fulton County60
- Of those, single family, Fulton County60
- County product, 2024, Fulton County$2,445,881,000
- County product change over the prior year, Fulton County4.3 percent
- Average income of an arriving household, Fulton County$55,789
Every figure in this section is published for Fulton County as a whole and is not a measurement of Caroga Lake. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- No median gross rent is published for this place.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Caroga Lake questions, answered from the record.
How many people live in Caroga Lake, New York?
448, in 232 households. Caroga Lake CDP covers 2.50 square miles of land, which is 179 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Caroga Lake in?
Fulton County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Caroga Lake?
$55,200. The median owner-occupied home is valued at $124,700. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Caroga Lake businesses?
1 7(a) approvals totalling $392,000, across 1 lenders, median approval $392,000. These count approvals to borrowers whose address is in Caroga Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Caroga Lake borrowers get paid back?
No rate is published for Caroga Lake. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Caroga Lake figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Fulton County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Caroga Lake.
Is zoning published for Caroga Lake?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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