The 10512 ZIP Code is primarily associated with Carmel, NY (Putnam County) in the U.S. The current population estimate is 24,672. Approximately 2% of the population is living below the poverty line. The median household income of this region is $98,091. The ZIP Code 10512 has a median age of approximately 46.5 years, with 24.7% of residents aged 62 years and older. An estimated 39.1% in this New York region have a bachelor's degree or higher, and the per capita income is approximately $48,499.
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In ZIP Code 10512, 92.5% of the population graduated high school, while 39.1% have a bachelor's degree or higher. In this region, 3.1% achieved an education level less than 9th grade, while 16.8% hold a graduate or professional degree. Approximately 29.5% in this Putnam County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 3.1% |
| 9th to 12th grade, no diploma | 4.5% |
| High school graduate (includes equivalency) | 29.5% |
| Some college, no degree | 15.0% |
| Associate's degree | 9.0% |
| Bachelor's degree | 22.2% |
| Graduate or professional degree | 16.8% |
Residents of ZIP Code 10512 are older than average. The median age of 46.5 years in ZIP Code 10512 is approximately 22.05% higher than the overall median age in the U.S. of 38.1 years. About 80.9% of residents are aged 18 years and older, and 24.7% of residents are 62 years and over. Approximately 15.2% of the population in 10512 falls in the age group 45 to 54 years, while an estimated 11.5% are aged 65 to 74 years. On the low end of the scale, 2.4% of 10512 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.0% |
| 5 to 9 years | 4.3% |
| 10 to 14 years | 7.2% |
| 15 to 19 years | 5.5% |
| 20 to 24 years | 5.0% |
| 25 to 34 years | 11.3% |
| 35 to 44 years | 11.1% |
| 45 to 54 years | 15.2% |
| 55 to 59 years | 8.4% |
| 60 to 64 years | 7.8% |
| 65 to 74 years | 11.5% |
| 75 to 84 years | 6.4% |
| 85 years and over | 2.4% |
The median household income in ZIP Code 10512 is $98,091, while the region's mean household income is $124,589. Breaking income down further, per capita income in the region is $48,499. The per capita income in ZIP Code 10512 of $48,499 is approximately 23.33% more than the per capita income in New York overall of $39,326. An estimated 2.0% of the population is living below the poverty line in this region. This rate is approximately 78.95% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 24.0% of the population in 10512 earn $100,000 to $149,999 per year, while an estimated 15.5% earn $50,000 to $74,999 per year, and 1.5% of 10512 residents earn less than $10,000 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 1.5% |
| $10,000 to $14,999 per year | 2.8% |
| $15,000 to $24,999 per year | 4.4% |
| $25,000 to $34,999 per year | 5.2% |
| $35,000 to $49,999 per year | 8.2% |
| $50,000 to $74,999 per year | 15.5% |
| $75,000 to $99,999 per year | 12.8% |
| $100,000 to $149,999 per year | 24.0% |
| $150,000 to $199,999 per year | 11.3% |
| $200,000 or more per year | 14.2% |
Looking at race in the population that makes up ZIP Code 10512, 98.2% is one race, while 1.8% are two or more races. Approximately 15.3% of 10512 residents are hispanic or Latino (of any race). The most common race in 10512 (race alone or in combination with one or more other races), is White (90.0%), followed by Some other race (5.4%) .
| Industry | Percent |
|---|---|
| White | 90.0% |
| Black or African American | 4.4% |
| American Indian and Alaska Native | 0.7% |
| Asian | 1.6% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 5.4% |
In ZIP Code 10512, 82.3% of the population lists "English only" as the language spoken in home, while 8.6% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 7.0% of homes, and other Indo-European languages are spoken in 1.1% of homes. Lastly, 1.1% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Putnam County region.
| Language Spoken | Percent |
|---|---|
| English only | 82.3% |
| Spanish | 8.6% |
| Other Indo-European languages | 7.0% |
| Asian and Pacific Islander languages | 1.1% |
| Other languages | 1.1% |
Regarding the age of homes in ZIP Code 10512, an estimated 20.3% of homes were built between 1970 and 1979. Additionally, 14.4% of homes in the region were built between 1980 and 1989, while an estimated 1.1% of homes were built in 2014 or later in this Putnam County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.1% |
| Built between 2010 and 2013 | 1.8% |
| Built between 2000 and 2009 | 8.2% |
| Built between 1990 and 1999 | 9.4% |
| Built between 1980 and 1989 | 14.4% |
| Built between 1970 and 1979 | 20.3% |
| Built between 1960 and 1969 | 12.2% |
| Built between 1950 and 1959 | 12.8% |
| Built between 1940 and 1949 | 7.5% |
| Built in 1939 or earlier | 12.4% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 10512 is current access to health insurance, as an estimated 93.5% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 10512 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 93.5% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 10512 has an average daily solar radiation level of 4.83 kWh/m2/day. This is approximately 17.23% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 26.71% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 10512 | 9.24¢/kWh | 4.94¢/kWh | 2.08¢/kWh |
| New York | 24.98¢/kWh | 19.1¢/kWh | 9.46¢/kWh |
| United States | 16.94¢/kWh | 13.2¢/kWh | 8.21¢/kWh |
| Month | ZIP Code 10512 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.75 | 1.9 | 5.84 |
| Feb | 4.77 | 3 | 6.31 |
| Mar | 5.07 | 3.65 | 7.02 |
| Apr | 5.36 | 5.13 | 7.3 |
| May | 5.28 | 5.17 | 7.13 |
| Jun | 5.42 | 5.72 | 6.95 |
| Jul | 5.78 | 6.22 | 6.51 |
| Aug | 5.6 | 6.08 | 6.65 |
| Sep | 5.44 | 5.15 | 7.02 |
| Oct | 4.39 | 3.32 | 6.92 |
| Nov | 3.91 | 2.33 | 5.99 |
| Dec | 3.17 | 1.78 | 5.46 |
In 10512, 62.3% of the population is in the labor force. Recent estimates place 4.1% as working from home, while the total labor force in the region has a mean travel to time to work of 40.8 minutes. Approximately 29.0% of the employed population 16 years and over in 10512 work in educational services, and health care and social assistance, while an estimated 10.0% work in professional, scientific, management, and administrative. On the lower end of the scale, just 0.0% of 10512 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.0% |
| Construction | 8.4% |
| Manufacturing | 4.4% |
| Wholesale trade | 2.6% |
| Retail trade | 10.0% |
| Transportation and warehousing, and utilities | 4.8% |
| Information | 3.8% |
| Finance and insurance, and real estate and rental and leasing | 9.0% |
| Professional, scientific, management, and administrative | 10.0% |
| Educational services, and health care and social assistance | 29.0% |
| Arts, entertainment, and recreation, and accommodation and food services | 8.0% |
| Other services, except public administration | 5.0% |
| Public administration | 5.0% |
Regarding consumer complaints about financial products in ZIP Code 10512, credit reporting or credit repair services have received the most complaints in 10512 in the past 12 months. Credit reporting or other personal consumer reports received the second most complaints. The most frequent complaint overall in this Putnam County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 37 |
| Credit reporting or other personal consumer reports | 22 |
| Checking or savings account | 15 |
| Debt collection | 12 |
| Mortgage | 10 |
| Other | 30 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 29 |
| Improper use of your report | 18 |
| Managing an account | 11 |
| Attempts to collect debt not owed | 8 |
| Problem with a purchase shown on your statement | 7 |
| Other | 53 |