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Putnam County, NY

Carmel

RANK #592 / 996 NAT  ·  #38 / 45 NY  ·  POP 97,942

1YR FORECAST: +1.9%

5YR OUTLOOK: +21%

Putnam County's housing market is projected to grow +1.9% over the next year, below the national average.

[01] Why Putnam County?

Putnam County, New York, offers a distinctive blend of natural beauty and suburban living, often highlighted by locals for its outdoor recreation opportunities. Situated just an hour north of Manhattan, the county provides a commute option via the Metro-North Harlem Line, with five stops within the county. Towns like Cold Spring, known for its antique shops and Hudson River views, and Carmel, the county seat, contribute to the community's feel. Clarence Fahnestock State Park, spanning over 14,000 acres, provides extensive trails for hiking, camping, and fishing, transforming into a cross-country skiing area in winter. The Putnam County Trailway, a 20-mile paved path, offers additional space for walking and biking.

Life in Putnam County often appeals to families and those seeking a balance between natural surroundings and access to urban centers. The county's public schools are highly rated, with districts like Haldane Central School District and Putnam Valley Central School District receiving high marks. Recent economic developments in the county include investments in sectors such as logistics and warehousing, with projects focusing on new facility construction and expansions. Additionally, efforts are underway to attract more film production to the region, contributing to economic growth. The county has also focused on fiscal management, including property tax reductions and a sales-tax revenue-sharing agreement with its towns and villages.

[02] Market Snapshot

Housing Ratio
9.7x

Overvalued relative to economy

GDP Growth
+3.0%

Above national median

Home Prices
+3.8%

Outpacing national median

Climate & Terrain
0.4

Moderate climate & terrain

Price/Rent
13x

Below national median (13x)

Housing looks overvalued at 9.7x — home prices are high relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    Putnam County School Board Education
    1,000+
  2. 2
    Putnam County Government Government
    500+
  3. 3
    Putnam Hospital Center Healthcare
    100+
  4. 4
    YMCA Other
  5. 5
    Tompkins Community Bank Finance

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Putnam County U.S. National

The Numbers

DEMOGRAPHICS
Population
97,942
-0.02% YoY
Median Household Income
$120,970
Median Home Value
$421,800
+3.8% 12mo
Median Rent
$1,691
Average Annual Pay
$67,541
+2.3% YoY
Employment
27,122
+0.9% YoY
Income-to-Home-Value
0.2868
More affordable than average
Migration Inflow
4.03%
of pop. from another state
Bachelor's Degree+
42.8%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$515,000
Days on Market
43
Moderate pace
Months of Supply
2.3
Seller's market
Sale-to-List Ratio
101.0%
Homes selling above asking
Sold Above List
56.4%
Listings w/ Price Drops
18.4%
Building Permits (2024)
140
Single-Family Permits
65

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Crime & Safety

A
SAFETY
GRADE
Firearm Fatalities
2.8
per 100K · nat avg 14.8
Injury Deaths
51.5
per 100K · nat avg 76.3
vs National Average
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Air Quality

B+
AIR QUALITY
GRADE
Median AQI (3yr)
33.7
Good
Good Air Days
94%
979 of 1,036 days
Unhealthy+ Days (3yr)
4
Sensitive groups affected
Primary Pollutant
Ozone
Ground-level ozone
Yearly Trend
2021
35
2022
34
2023
32
Median AQI · lower is better

Source: EPA Air Quality System (2021–2023). Grade based on 3-year average median AQI. Learn about AQI →

[07] Capital Investment

$1,266M
TOTAL
PROJECT AMOUNT STATUS
Google Data Center Campus
Google
$1,000M Proposed
Union Energy Center (Battery Storage)
East Point Energy (Equinor)
$116M Cancelled
nVent Industrial Site Expansion
nVent
$50M Under Construction
Brewster Industrial Owner LLC Warehouse/Logistics
Brewster Industrial Owner LLC
$50M Planned
Ace Endico Expansion
Ace Endico
$50M Under Construction

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[08] Score Breakdown

GDP Growth +3.0% 55 percentile
Population Growth -0.0% 29 percentile
Income Growth +8.4% 46 percentile
Vacancy Rate 0.4% 97 percentile
Home Price Change +3.8% 80 percentile
Rent Growth +7.2% 91 percentile
Price/Rent 13x 52 percentile

Bars show percentile rank among all 996 counties.

[09] Frequently Asked Questions

Is Putnam County, NY a good place to move to?

Putnam County scores 40/100 on the Boom Town Index, landing in the middle of the pack among 996 U.S. counties (#592). Median household income is $120,970 and job growth is running at +0.9%. The data points to a county with mixed signals — some positive indicators alongside areas that lag faster-growing peers.

Is Putnam County affordable?

Housing in Putnam County is roughly in line with national affordability norms. The median home costs $421,800 and the income-to-home-value ratio sits at 0.29, with rents averaging $1,691/month. Not a bargain, but not a stretch for most local earners either.

Is Putnam County growing or shrinking?

Population and employment in Putnam County are both close to flat — population -0.0% YoY and jobs +0.9%. Home values shifted +3.8% over the past 12 months. A steady-state county, neither expanding quickly nor shrinking.

Are people moving to Putnam County?

There's a moderate stream of newcomers. About 4.03% of residents moved from another state, which is above average and suggests Putnam County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

[10] Similar Counties by Size & Score

Otsego County, NY 41 Richmond County, NY 38 Westchester County, NY 38 Dutchess County, NY 46 Erie County, NY 46 Livingston County, NY 46 Frederick County, VA 40 Bedford County, VA 40