The Town FilesCaroga, New York
Town in Fulton County · population 1,264 (2020 Census)
- Median home
- $172,300
- Household income
- $65,395
- Jan low / Jul high
- 7° / 77°
- Snow a year
- 129 in
- Tornadoes ≤10 mi since 1950
- 3
- Median age
- 55.4
Caroga is a town of 1,264 people in Fulton County, New York. The median home is worth $172,300, below the typical New York town ($217,700). It ranks quieter than 100% of New York towns, better for a vacation home than 83% of New York towns.
How Caroga ranks
Percentile among New York towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of New York towns.
Homes and cost of living
The median home in Caroga is worth $172,300, below the typical New York town ($217,700). Homes cost about 2.6 times the median household income of $65,395, which is more affordable than 59% of New York towns. 95.3% of households own their home.
| Housing | Caroga | Typical New York town |
|---|---|---|
| Median home value | $172,300 | $217,700 |
| Median rent | — | $1,080 |
| Median household income | $65,395 | $80,740 |
| Home value ÷ income | 2.6× | 2.8× |
| Homeownership | 95.3% | 79.5% |
| Median year built | 1948 | 1965 |
| Seasonal / vacation homes | 67.7% | — |
Who lives in Caroga
| People | Caroga | Typical New York town |
|---|---|---|
| Median age | 55.4 | 43.5 |
| Age 65 and over | 29.2% | 20.4% |
| Under 18 | 10.6% | — |
| Bachelor's degree or higher | 16.3% | 30.4% |
| Below the poverty line | 7.4% | 9.3% |
| Veterans | 4.8% | — |
| Born outside the U.S. | 1.7% | — |
| Work from home | 3.6% | 11.1% |
| Average commute | 32.8 min | 26.0 min |
| Homes with broadband | 83.8% | 91.1% |
Weather in Caroga
July highs average 76.7°F and January lows 7.1°F. About 50.7 inches of rain and melted snow fall a year, with 128.8 inches of snow (typical New York town: 62.9 in). Expect about 0 days a year at 90°F or hotter and 179 nights at or below freezing.
Tornadoes, storms and disasters
3 tornadoes have passed within 10 miles of Caroga since 1950, compared with 5 for the typical New York town. The strongest, an F1, struck on August 23, 1986 about 1.4 miles from the town center. The most recent was on August 3, 2004.
Hail of 1 inch or larger has been reported within 10 miles 17 times; the largest was 2.75 inches on May 29, 2012.
Severe weather in Fulton County since 1996
Fulton County has been included in 18 federal disaster or emergency declarations since 1953, most often for fire, other, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| March 20, 2020 | Biological | DR-4480: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3434: Covid-19 |
| December 19, 2019 | Severe Storm | DR-4472: Severe Storms, Straight-Line Winds, And Flooding |
| July 12, 2017 | Snowstorm | DR-4322: Severe Winter Storm And Snowstorm |
| October 28, 2012 | Hurricane | EM-3351: Hurricane Sandy |
Jobs and pay in Fulton County
Fulton County had 16,102 jobs in 2024, paying an average of $54,770 a year. Unemployment was 4.4% in 2023; in Caroga itself the ACS puts it at 1.6%.
Towns near Caroga
- Caroga Lake, NY2.3 mi · 548 people · home $124,700
- Stratford, NY6.3 mi · 538 people · home $156,600
- Ephratah, NY7.4 mi · 1,677 people · home $111,500
- Bleecker, NY7.5 mi · 545 people · home $221,100
- Oppenheim, NY8.5 mi · 1,751 people · home $112,700
- Johnstown, NY9.3 mi · 6,867 people · home $193,500
- Gloversville, NY11.1 mi · 15,131 people · home $106,400
- Johnstown, NY12.0 mi · 8,204 people · home $157,800
Caroga questions
Is Caroga, New York a good place to retire?
On The Town Files lifestyle rankings, Caroga scores better for retirees than 62% of New York towns and quieter than 100%. 29.2% of residents are 65 or older (median age 55.4).
How much does a house cost in Caroga?
The median owner-occupied home in Caroga is valued at $172,300 (Census ACS 2020–2024), against a median household income of $65,395, so homes cost about 2.6 times income. Median rent is — a month.
What is the weather like in Caroga?
July highs average 76.7°F and January lows 7.1°F (NOAA 1991–2020 normals). It gets about 50.7 inches of precipitation a year and 128.8 inches of snow.
Does Caroga get tornadoes?
3 tornadoes have passed within 10 miles of Caroga since 1950 (NOAA Storm Events); the strongest was a F1 on August 23, 1986. The typical New York town has had 5.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)