Census tract · Putnam County
Census Tract 103, Putnam County, New York
Census Tract 103, GEOID 36079010300, in Putnam County, New York, entirely within Lake Carmel and Kent (town). 4,786 residents in the ACS 2020-2024 5-year estimates (±478); the 2020 Census counted 4,716.
Residents, 2020-2024
4,786
±478 (90% margin)
2020 Census count: 4,716
Median household income
$132,132
±$17,379 (90% margin)
Putnam County: $126,257
Median home value
$360,600
±$12,228 (90% margin)
Putnam County: $471,300
Median gross rent
$1,814
±$106 (90% margin)
Putnam County: $1,775
Where is Census Tract 103?
Census Tract 103 is one of 24 census tracts in Putnam County, New York. It covers 2.53 square miles of land, 1,862 residents per square mile in 2020. Its GEOID, 36079010300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Lake Carmel | 100% |
| Kent (town) | 100% |
4 census tracts border Census Tract 103: Tract 102.01 ($101,339), Tract 104 ($80,881), Tract 105 ($140,962) and Tract 115.01 ($109,159). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 103?
The 2020-2024 American Community Survey puts Census Tract 103's population at 4,786 (±478) in 1,665 households; the 2020 Census counted 4,716 residents and 1,911 housing units.
| Measure | Tract 103 | Lake Carmel |
|---|---|---|
| Total population | 4,786 ±478 | 7,854 |
| Households | 1,665 ±137 | 2,795 |
| Average household size | 2.87 ±0.23 | 2.81 |
| Housing units | 1,702 ±140 | 2,946 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 103?
The median resident of Census Tract 103 is 38.1 years old; 21.5% are under 18 and 12.5% are 65 or older. The largest group is non-Hispanic white residents at 48.7%, then Hispanic or Latino residents (of any race) at 37.0%. 20.9% of residents were born outside the United States.
| Measure | Tract 103 | Lake Carmel |
|---|---|---|
| Median age | 38.1 ±4.2 | 40.3 |
| Under 18 years | 21.5% ±4.8 pts | 22.7% |
| 65 years and over | 12.5% ±2.4 pts | 14.3% |
| Hispanic or Latino (any race) | 37.0% ±7.7 pts | 30.7% |
| White alone, not Hispanic | 48.7% ±8.0 pts | 59.4% |
| Black or African American alone, not Hispanic | 6.0% ±4.3 pts | 3.9% |
| Asian alone, not Hispanic | 1.3% ±1.6 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Two or more races, not Hispanic | 5.8% ±3.8 pts | 3.5% |
| Some other race alone, not Hispanic | 1.2% ±1.3 pts | 0.7% |
| Born outside the United States | 20.9% ±5.4 pts | 17.3% |
| Speak a language other than English at home (age 5+) | 29.1% ±8.2 pts | 24.8% |
| Civilian veterans (age 18+) | 4.2% ±2.3 pts | 6.2% |
| With a disability | 10.8% ±3.6 pts | 10.8% |
| No health insurance coverage | 1.7% ±1.3 pts | 3.0% |
| High school graduate or higher (age 25+) | 95.2% ±3.1 pts | 92.2% |
| Bachelor's degree or higher (age 25+) | 36.4% ±7.8 pts | 34.6% |
| Graduate or professional degree (age 25+) | 13.4% ±5.5 pts | 13.0% |
| Lived in the same house a year earlier | 84.4% ±9.4 pts | 86.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 103 earn?
Half of the 1,665 households in Census Tract 103 earn less than $132,132 a year (±$17,379), against $126,257 across Putnam County: 11th highest of the county's 24 tracts with a reliable estimate. 8.5% of residents live below the poverty line.
| Measure | Tract 103 | Lake Carmel |
|---|---|---|
| Median household income | $132,132 ±$17,379 | $109,243 |
| Mean household income | $137,045 ±$13,087 | $131,815 |
| Per capita income | $49,087 ±$4,912 | $48,424 |
| People below the poverty line | 8.5% ±5.0 pts | 8.3% |
| Children under 18 below the poverty line | 12.3% ±11.4 pts | 9.0% |
| Households receiving SNAP | 2.5% ±2.3 pts | 5.4% |
| Households with a computer | 95.9% ±3.4 pts | 95.7% |
| Households with a broadband subscription | 91.5% ±5.0 pts | 91.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 103?
Owners occupy 89.2% of Census Tract 103's occupied homes and renters 10.8%. The median owner-occupied home is valued at $360,600 by its owner (±$12,228). The median renter pays $1,814 a month including utilities, and 78.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 103 | Lake Carmel |
|---|---|---|
| Median home value (owner-occupied) | $360,600 ±$12,228 | $363,700 |
| Median gross rent | $1,814 ±$106 | $1,565 |
| Renters paying 35% or more of income on rent | 78.4% ±27.2 pts | 79.4% |
| Median monthly owner costs, with a mortgage | $2,679 ±$138 | $2,634 |
| Owner-occupied homes | 89.2% ±6.1 pts | 85.9% |
| Renter-occupied homes | 10.8% ±6.1 pts | 14.1% |
| Housing units | 1,702 ±140 | 2,946 |
| Single-family detached homes | 76.7% ±8.0 pts | 76.3% |
| Mobile homes | 0.0% ±2.5 pts | 0.0% |
| Built 2020 or later | 0.0% ±2.5 pts | 0.0% |
| Built 2010 to 2019 | 0.0% ±2.5 pts | 0.6% |
| Built 1939 or earlier | 19.4% ±5.7 pts | 19.9% |
| Households with no vehicle | 8.0% ±5.4 pts | 6.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 103 get to work?
77.0% of Census Tract 103's workers drive alone and 9.0% work from home. The average trip to work takes 35.3 minutes. The unemployment rate in 2020-2024 averaged 3.7%.
| Measure | Tract 103 | Lake Carmel |
|---|---|---|
| In the labor force (age 16+) | 71.7% ±4.5 pts | 69.0% |
| Unemployment rate | 3.7% ±2.4 pts | 3.9% |
| Drove alone to work | 77.0% ±8.0 pts | 74.7% |
| Carpooled | 12.0% ±5.9 pts | 10.4% |
| Public transportation | 0.6% ±1.4 pts | 2.4% |
| Walked | 0.0% ±1.6 pts | 0.0% |
| Worked from home | 9.0% ±4.5 pts | 10.6% |
| Mean travel time to work | 35.3 min ±2.9 | 35.8 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 103 compare with the other tracts in Putnam County?
Among Putnam County's tracts with a reliable estimate, Census Tract 103 ranks as shown below (1 = highest).
| Measure | In Putnam County | In Lake Carmel |
|---|---|---|
| Population | 7th of 24 | 2nd of 3 |
| Residents per square mile | 2nd of 24 | 1st of 3 |
| Median household income | 11th of 24 | 2nd of 3 |
| Per capita income | 19th of 24 | 2nd of 3 |
| Median home value | 23rd of 24 | 3rd of 3 |
| Median gross rent | 9th of 23 | 2nd of 3 |
| Poverty rate | 6th of 16 | 1st of 3 |
| Bachelor's degree or higher | 19th of 24 | 2nd of 3 |
| Median age | 23rd of 24 | 3rd of 3 |
| Owner-occupied share | 10th of 24 | 2nd of 3 |
The tracts next to it on Putnam County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 117 | 8th | $139,539±$33,964 · within the margin of this tract |
| Tract 116 | 9th | $139,208±$28,642 · within the margin of this tract |
| Tract 111 | 10th | $136,676±$30,653 · within the margin of this tract |
| Tract 103 | 11th | $132,132±$17,379 |
| Tract 108 | 12th | $127,289±$27,614 · within the margin of this tract |
| Tract 119 | 13th | $121,837±$17,315 · within the margin of this tract |
| Tract 107 | 14th | $120,536±$27,335 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 103?
2 of the 18 figures for Census Tract 103 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections