Is Putnam Lake, NY a Good Place to Live?
Putnam Lake is a small town of 3,826 in New York, with a median household income of $92,112 and a 7.2% unemployment rate. Its cost of living index is 112 (US average = 100), which is 12% above the national average.
Strengths: Putnam Lake stands out for solid school ratings (B+).
Trade-offs: Potential downsides include an above-average cost of living, longer commutes, an elevated unemployment rate. Whether Putnam Lake is right for you depends on your priorities — the full breakdown is below.
All Putnam Lake 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: 112.5Putnam Lake's overall cost of living index is 112.5, where 100 represents the US national average. Living in Putnam Lake costs roughly 12% more than the average American city.
| Metric | Putnam Lake, NY | National Avg |
|---|---|---|
| Median Home Value | $315,200 | $244,900 |
| Median Monthly Rent | $2,234 | $1,163 |
| Homeownership Rate | 89.6% | 65.9% |
| Median Household Income | $92,112 | $74,755 |
Crime & Safety
Crime data for Putnam Lake is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
Putnam Lake 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 | Putnam Lake, 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 | 26.7% | 35.4% |
| High School Diploma or Higher | 89.0% | 91.1% |
Weather & Climate
Putnam Lake sees average highs of 33.4°F in January and 77.9°F in July, with 50.4 inches of annual precipitation and 49.3 inches of snow per year.
| Metric | Putnam Lake, NY |
|---|---|
| Average High — January | 33.4°F |
| Average High — July | 77.9°F |
| Annual Precipitation | 50.4" |
| Annual Snowfall | 49.3" |
Demographics
| Metric | Putnam Lake, NY | National Avg |
|---|---|---|
| Population | 3,826 | — |
| Median Age | 46.2 | 38.9 |
| Unemployment Rate | 7.2% | 3.7% |
| Avg Commute Time | 36.3 min | 26 min |
| White (non-Hispanic) | 73.9% | 59.3% |
| Black or African American | 4.5% | 13.6% |
| Hispanic or Latino | 19.0% | 18.9% |
| Asian | 1.5% | 6.3% |
| Under 18 | 14.2% | 22.2% |
| 65 and over | 23.4% | 16.8% |
Nearby Cities
ZIP Codes in Putnam Lake
Putnam Lake, NY is covered by 1 ZIP code: