HomeNew YorkPutnam CountyCarmel
Carmel, New York: commercial real estate data.
Carmel 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 since FY2020.
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$67,500
- 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
Counted by borrower city: approvals to borrowers whose address is in Carmel, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$429,500
- Largest approval$2,138,000
- Jobs supported57
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Carmel, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Carmel
Flood risk in Carmel
- NFIP communityTown of Carmel
- NFIP community number360669
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/04/13
The Town of Carmel participates in the National Flood Insurance Program as community 360669 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Putnam County, not Carmel
Putnam County context, not Carmel figures
- Establishments in Putnam County2,868
- Covered employment, Putnam County27,122
- Average annual pay, Putnam County$67,541
- Housing units permitted, Putnam County140
Every figure in this section is published for Putnam County as a whole and is not a measurement of Carmel.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $3.7 m since FY2020, across 11 lenders, median approval $67,500, plus 6 504 approvals worth $4.0 m since FY2010. 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 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Carmel in the National Flood Insurance Program?
Yes. Carmel appears in the FEMA Community Status Book as Carmel, town of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.