What are the schools like in Carmel, NY?

Carmel is served primarily by CARMEL CENTRAL SCHOOL DISTRICT. The district operates 3 elementary schools, 1 middle schools, and 1 high schools with a student-to-teacher ratio of 11.9:1.

What is the median household income in Carmel?

The median household income in Carmel, NY is $107,465 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 4.7%.

What is the weather like in Carmel, NY?

Carmel has an average high temperature of 33.4°F in January and 77.9°F in July. Annual precipitation averages 50.4 inches and annual snowfall averages 57.9 inches.

Carmel, NY Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Carmel, NY affordable or expensive?

Carmel's cost of living index is 112, where 100 represents the national average. This means Carmel is 12% more expensive than the average US city. The median home value is $475,300 and the median rent is $1,055 per month.

Q: What is the crime rate in Carmel, NY?

Crime rate data for Carmel is not currently available from the FBI's reported data.

Is Carmel, NY a Good Place to Live?

Carmel is a small town of 7,260 in New York, with a median household income of $107,465 and a 4.7% unemployment rate. Its cost of living index is 112 (US average = 100), which is 12% above the national average.

Strengths: Carmel stands out for solid school ratings (A-), a well-educated population.

Trade-offs: Potential downsides include an above-average cost of living, high home prices, longer commutes. Whether Carmel is right for you depends on your priorities — the full breakdown is below.

All Carmel city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 112.5

Carmel's overall cost of living index is 112.5, where 100 represents the US national average. Living in Carmel costs roughly 12% more than the average American city.

Metric	Carmel, NY	National Avg
Median Home Value	$475,300	$244,900
Median Monthly Rent	$1,055	$1,163
Homeownership Rate	75.7%	65.9%
Median Household Income	$107,465	$74,755

Crime & Safety

Crime data for Carmel is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.

Schools & Education

Carmel is served primarily by CARMEL CENTRAL SCHOOL DISTRICT. The student-to-teacher ratio is 11.9:1 (better than the national average of ~16:1).

Metric	Carmel, NY	National Avg
School District	CARMEL CENTRAL SCHOOL DISTRICT	—
Elementary Schools	3	—
Middle Schools	1	—
High Schools	1	—
Student/Teacher Ratio	11.9:1	16:1
Bachelor's Degree or Higher	39.0%	35.4%
High School Diploma or Higher	93.7%	91.1%

Weather & Climate

Carmel sees average highs of 33.4°F in January and 77.9°F in July, with 50.4 inches of annual precipitation and 57.9 inches of snow per year.

Metric	Carmel, NY
Average High — January	33.4°F
Average High — July	77.9°F
Annual Precipitation	50.4"
Annual Snowfall	57.9"

Demographics

Metric	Carmel, NY	National Avg
Population	7,260	—
Median Age	46.7	38.9
Unemployment Rate	4.7%	3.7%
Avg Commute Time	41.7 min	26 min
White (non-Hispanic)	89.5%	59.3%
Black or African American	2.6%	13.6%
Hispanic or Latino	6.5%	18.9%
Asian	0.6%	6.3%
Under 18	17.4%	22.2%
65 and over	25.5%	16.8%

Nearby Cities

Brewster Heights, NY 3 mi Brewster, NY 4 mi Mahopac, NY 4 mi Brewster Hill, NY 4 mi Lake Carmel, NY 4 mi

ZIP Codes in Carmel

Carmel, NY is covered by 1 ZIP code:

10512

Carmel vs Other Cities

Carmel, NY vs Brewster Heights, NY Carmel, NY vs Brewster, NY Carmel, NY vs Mahopac, NY Carmel, NY vs Brewster Hill, NY Carmel, NY vs Lake Carmel, NY

Frequently Asked Questions

Is Carmel, NY affordable or expensive?

Carmel's cost of living index is 112, where 100 is the national average. That puts Carmel roughly 12% above the national average in cost. The median home price is $475,300 and median rent is $1,055/month.

What is the crime rate in Carmel, NY?

Crime data for Carmel is not available in the current FBI UCR reporting year. Not all jurisdictions submit data annually.

What are the schools like in Carmel?

Public schools in Carmel are operated by CARMEL CENTRAL SCHOOL DISTRICT. The district has 3 elementary, 1 middle, and 1 high schools. The student-to-teacher ratio is 11.9:1. 39.0% of adults 25+ hold a bachelor's degree or higher.

Is Carmel, NY a good place to live?

Carmel, NY has a population of 7,260, a median household income of $107,465, and an unemployment rate of 4.7%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Carmel?

Carmel averages 33.4°F in January and 77.9°F in July. Annual rainfall is 50.4 inches with about 57.9 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Carmel?

Carmel, NY is covered by 1 ZIP code: 10512.

What is the population of Carmel?

The population of Carmel, New York is 7,260 with a median age of 46.7. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Carmel?

Key numbers for living in Carmel: cost of living index 112 (100 = US average), median home $475,300, median household income $107,465, schools rated A-. Whether these are benefits or drawbacks depends on where you're coming from — compare Carmel side by side with your current city to see the trade-offs.