HomeNew YorkPutnam CountyCarmel CDP
Carmel CDP, New York: commercial real estate data.
Carmel CDP is a Census CDP of 7,306 people across 9.24 square miles of land, in Putnam County. Median household income is $114,954, 75.0 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $3.7 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Carmel
What Carmel is
- Census place typeCDP
- Land area9.24 sq mi
- Water area2.05 sq mi
- Population per square mile of land791
- County holding the largest share of its areaPutnam 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.
Carmel
How many people live in Carmel
- Population7,306
- Median age47.0
- Population under 181,099
- Share under 1815.0 percent
- Population 65 and over1,884
- Share 65 and over25.8 percent
- Households2,854
- Family households1,963
- Share of households that are families68.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel
Income and work in Carmel
- Median household income$114,954
- Per capita income$52,771
- Civilian labor force3,422
- Employed3,257
- Unemployed165 plus or minus 81
- Unemployment rate4.8 percent plus or minus 2.3
- Adults 25 and over5,547
- Adults 25 and over with a high school diploma or higher95.0 percent
- Adults 25 and over with a bachelor degree or higher39.9 percent
- Adults 25 and over with a graduate degree20.6 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel
Housing in Carmel
- Housing units2,931
- Occupied units2,854
- Vacant units77 plus or minus 85
- Vacancy rate2.6 percent plus or minus 2.9
- Owner occupied2,140
- Renter occupied714 plus or minus 216
- Ownership rate75.0 percent
- Median owner-occupied home value$488,300
- Median gross rent, monthly$1,150 plus or minus $235
- Annual rent as a share of median income12.0 percent plus or minus 2.9
- Single family units2,206
- Share single family75.3 percent
- Units in buildings of two or more715 plus or minus 236
- Share in buildings of two or more24.4 percent plus or minus 7.8
- Mobile homes0
- Median year structure built1984
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel
How Carmel gets to work
- Workers 16 and over who commute2,790
- Commuting under 15 minutes424 plus or minus 195
- Share commuting under 15 minutes15.2 percent plus or minus 6.4
- Commuting 30 minutes or more1,683 plus or minus 347
- Share commuting 30 minutes or more60.3 percent
- Drove alone67.4 percent
- Carpooled10.4 percent plus or minus 6.1
- Public transport6.6 percent plus or minus 3.8
- Walked0.9 percent plus or minus 1.0
- Worked from home14.0 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Carmel
SBA loans in Carmel (7(a))
- Approvals18
- Gross approval$3,696,800
- Average approval$205,378
- Median approval$80,000
- Ninetieth percentile approval$750,000
- Largest approval$1,000,000
- Jobs supported63
- Jobs per approval3.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more5.6 percent
- Share to franchises5.6 percent
- Distinct lenders11
- Distinct industries by NAICS16
A charge-off rate is not published here. only 1 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.
Carmel
SBA loans in Carmel (504)
- Approvals6
- Gross approval$3,971,000
- Average approval$661,833
- Median approval$486,000
- Largest approval$2,138,000
- Jobs supported57
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carmel
Flood risk in Carmel
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360669
- Currently effective map date03/04/13
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Putnam County, not Carmel
Putnam County context, not Carmel figures
These are Putnam County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Carmel measurements.
- Establishments in Putnam County2,868
- Employment at those establishments, Putnam County22,380
- Covered employment, Putnam County27,122
- Average annual pay, Putnam County$67,541
- Average weekly wage, Putnam County$1,299
- Housing units permitted, Putnam County140
- Of those, single family, Putnam County65
- County product, 2024, Putnam County$5,494,281,000
- County product change over the prior year, Putnam County6.3 percent
- Average income of an arriving household, Putnam County$109,205
Every figure in this section is published for Putnam County as a whole and is not a measurement of Carmel. 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.
- 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
Carmel questions, answered from the record.
How many people live in Carmel, New York?
7,306, in 2,854 households. Carmel CDP covers 9.24 square miles of land, which is 791 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Carmel in?
Putnam 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 Carmel?
$114,954. The median owner-occupied home is valued at $488,300. Median gross rent is $1,150 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Carmel businesses?
18 7(a) approvals totalling $3.7 m, across 11 lenders, median approval $80,000, plus 6 504 approvals worth $4.0 m. These count approvals to borrowers whose address is in Carmel, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Carmel borrowers get paid back?
No rate is published for Carmel. only 1 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.
Is Carmel in the National Flood Insurance Program?
Yes. Carmel appears in the FEMA Community Status Book as community 360669, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Carmel figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Putnam 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 Carmel.
Is zoning published for Carmel?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.