The Town FilesLake Carmel, New York
Community in Putnam County · population 8,069 (2020 Census)
- Median home
- $363,700
- Household income
- $109,243
- Jan low / Jul high
- 16° / 78°
- Snow a year
- 58 in
- Tornadoes ≤10 mi since 1950
- 10
- Median age
- 40.3
Lake Carmel is a community of 8,069 people in Putnam County, New York. The median home is worth $363,700, above the typical New York town ($217,700). It ranks better for families than 92% of New York towns, better for first-time buyers than 92% of New York towns, better transit than 83% of New York towns.
How Lake Carmel 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 Lake Carmel is worth $363,700, above the typical New York town ($217,700). Homes cost about 3.3 times the median household income of $109,243, which is more affordable than 38% of New York towns. Median rent is $1,565 a month. 85.9% of households own their home.
| Housing | Lake Carmel | Typical New York town |
|---|---|---|
| Median home value | $363,700 | $217,700 |
| Median rent | $1,565 | $1,080 |
| Median household income | $109,243 | $80,740 |
| Home value ÷ income | 3.3× | 2.8× |
| Homeownership | 85.9% | 79.5% |
| Median year built | 1957 | 1965 |
| Seasonal / vacation homes | 2.9% | — |
Who lives in Lake Carmel
| People | Lake Carmel | Typical New York town |
|---|---|---|
| Median age | 40.3 | 43.5 |
| Age 65 and over | 14.3% | 20.4% |
| Under 18 | 22.7% | — |
| Bachelor's degree or higher | 34.6% | 30.4% |
| Below the poverty line | 8.3% | 9.3% |
| Veterans | 6.2% | — |
| Born outside the U.S. | 17.3% | — |
| Work from home | 10.6% | 11.1% |
| Average commute | 35.8 min | 26.0 min |
| Homes with broadband | 91.6% | 91.1% |
Weather in Lake Carmel
July highs average 77.9°F and January lows 16.0°F. About 50.4 inches of rain and melted snow fall a year, with 57.9 inches of snow (typical New York town: 62.9 in). Expect about 2 days a year at 90°F or hotter and 137 nights at or below freezing.
Tornadoes, storms and disasters
10 tornadoes have passed within 10 miles of Lake Carmel since 1950, compared with 5 for the typical New York town. 3 rated (E)F2 or stronger. The strongest, an EF2, struck on May 15, 2018 about 1.6 miles from the town center. The most recent was on May 15, 2018.
Hail of 1 inch or larger has been reported within 10 miles 24 times; the largest was 2.50 inches on June 11, 2026.
Severe weather in Putnam County since 1996
Putnam County has been included in 29 federal disaster or emergency declarations since 1953, most often for fire, flood, other.
| Declared | Incident | Declaration |
|---|---|---|
| July 22, 2023 | Severe Storm | DR-4723: Severe Storms And Flooding |
| September 5, 2021 | Hurricane | DR-4615: Remnants Of Hurricane Ida |
| September 2, 2021 | Hurricane | EM-3572: Remnants Of Hurricane Ida |
| August 22, 2021 | Hurricane | EM-3565: Hurricane Henri |
| October 2, 2020 | Hurricane | DR-4567: Tropical Storm Isaias |
Jobs and pay in Putnam County
Putnam County had 27,122 jobs in 2024, paying an average of $67,541 a year. Unemployment was 3.1% in 2023; in Lake Carmel itself the ACS puts it at 3.9%.
Towns near Lake Carmel
- Kent, NY3.2 mi · 12,900 people · home $390,100
- Patterson, NY4.2 mi · 11,541 people · home $409,500
- Carmel, NY4.3 mi · 7,538 people · home $488,300
- Southeast, NY5.0 mi · 18,058 people · home $446,900
- Brewster, NY5.2 mi · 2,508 people · home $398,200
- Putnam Lake, NY5.9 mi · 3,776 people · home $337,000
- Carmel, NY6.1 mi · 33,576 people · home $495,100
- Mahopac, NY7.6 mi · 8,932 people · home $470,900
Lake Carmel questions
Is Lake Carmel, New York a good place to retire?
On The Town Files lifestyle rankings, Lake Carmel scores better for retirees than 44% of New York towns and quieter than 39%. 14.3% of residents are 65 or older (median age 40.3).
How much does a house cost in Lake Carmel?
The median owner-occupied home in Lake Carmel is valued at $363,700 (Census ACS 2020–2024), against a median household income of $109,243, so homes cost about 3.3 times income. Median rent is $1,565 a month.
What is the weather like in Lake Carmel?
July highs average 77.9°F and January lows 16.0°F (NOAA 1991–2020 normals). It gets about 50.4 inches of precipitation a year and 57.9 inches of snow.
Does Lake Carmel get tornadoes?
10 tornadoes have passed within 10 miles of Lake Carmel since 1950 (NOAA Storm Events); the strongest was an EF2 on May 15, 2018. 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)