Census tract · Putnam County
Census Tract 104, Putnam County, New York
Census Tract 104, GEOID 36079010400, in Putnam County, New York, entirely within Lake Carmel and Kent (town). 2,964 residents in the ACS 2020-2024 5-year estimates (±418); the 2020 Census counted 3,277.
Residents, 2020-2024
2,964
±418 (90% margin)
2020 Census count: 3,277
Median household income
$80,881
±$17,545 (90% margin)
Putnam County: $126,257
Median home value
$363,200
±$33,873 (90% margin)
Putnam County: $471,300
Median gross rent
$1,374
±$82 (90% margin)
Putnam County: $1,775
Where is Census Tract 104?
Census Tract 104 is one of 24 census tracts in Putnam County, New York. It covers 2.63 square miles of land, 1,247 residents per square mile in 2020. Its GEOID, 36079010400, 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 104: Tract 103 ($132,132), Tract 105 ($140,962), Tract 115.01 ($109,159) and Tract 115.02 ($144,107). 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 104?
The 2020-2024 American Community Survey puts Census Tract 104's population at 2,964 (±418) in 1,079 households; the 2020 Census counted 3,277 residents and 1,324 housing units.
| Measure | Tract 104 | Lake Carmel |
|---|---|---|
| Total population | 2,964 ±418 | 7,854 |
| Households | 1,079 ±147 | 2,795 |
| Average household size | 2.74 ±0.42 | 2.81 |
| Housing units | 1,193 ±178 | 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 104?
The median resident of Census Tract 104 is 43.7 years old; 24.8% are under 18 and 16.9% are 65 or older. The largest group is non-Hispanic white residents at 75.3%, then Hispanic or Latino residents (of any race) at 21.5%. 11.6% of residents were born outside the United States.
| Measure | Tract 104 | Lake Carmel |
|---|---|---|
| Median age | 43.7 ±3.7 | 40.3 |
| Under 18 years | 24.8% ±5.7 pts | 22.7% |
| 65 years and over | 16.9% ±3.8 pts | 14.3% |
| Hispanic or Latino (any race) | 21.5% ±9.8 pts | 30.7% |
| White alone, not Hispanic | 75.3% ±10.1 pts | 59.4% |
| Black or African American alone, not Hispanic | 0.7% ±0.8 pts | 3.9% |
| Asian alone, not Hispanic | 2.4% ±2.2 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.4 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.4 pts | 0.0% |
| Two or more races, not Hispanic | 0.0% ±1.4 pts | 3.5% |
| Some other race alone, not Hispanic | 0.0% ±1.4 pts | 0.7% |
| Born outside the United States | 11.6% ±5.1 pts | 17.3% |
| Speak a language other than English at home (age 5+) | 18.1% ±8.5 pts | 24.8% |
| Civilian veterans (age 18+) | 9.1% ±4.4 pts | 6.2% |
| With a disability | 11.2% ±4.0 pts | 10.8% |
| No health insurance coverage | 5.1% ±2.3 pts | 3.0% |
| High school graduate or higher (age 25+) | 87.5% ±4.5 pts | 92.2% |
| Bachelor's degree or higher (age 25+) | 29.4% ±7.5 pts | 34.6% |
| Graduate or professional degree (age 25+) | 11.5% ±4.3 pts | 13.0% |
| Lived in the same house a year earlier | 89.9% ±7.5 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 104 earn?
Half of the 1,079 households in Census Tract 104 earn less than $80,881 a year (±$17,545), against $126,257 across Putnam County: 23rd highest of the county's 24 tracts with a reliable estimate. 8.1% of residents live below the poverty line.
| Measure | Tract 104 | Lake Carmel |
|---|---|---|
| Median household income | $80,881 ±$17,545 | $109,243 |
| Mean household income | $120,261 ±$21,316 | $131,815 |
| Per capita income | $45,684 ±$7,684 | $48,424 |
| People below the poverty line | 8.1% ±4.6 pts | 8.3% |
| Children under 18 below the poverty line | 4.8% ±5.7 pts | 9.0% |
| Households receiving SNAP | 10.1% ±7.2 pts | 5.4% |
| Households with a computer | 95.3% ±5.6 pts | 95.7% |
| Households with a broadband subscription | 91.3% ±6.9 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 104?
Owners occupy 80.2% of Census Tract 104's occupied homes and renters 19.8%. The median owner-occupied home is valued at $363,200 by its owner (±$33,873). The median renter pays $1,374 a month including utilities, and 80.2% of renters pay 35% or more of their income on rent.
| Measure | Tract 104 | Lake Carmel |
|---|---|---|
| Median home value (owner-occupied) | $363,200 ±$33,873 | $363,700 |
| Median gross rent | $1,374 ±$82 | $1,565 |
| Renters paying 35% or more of income on rent | 80.2% ±23.2 pts | 79.4% |
| Median monthly owner costs, with a mortgage | $2,428 ±$277 | $2,634 |
| Owner-occupied homes | 80.2% ±10.0 pts | 85.9% |
| Renter-occupied homes | 19.8% ±10.0 pts | 14.1% |
| Housing units | 1,193 ±178 | 2,946 |
| Single-family detached homes | 74.8% ±8.4 pts | 76.3% |
| Mobile homes | 0.0% ±3.5 pts | 0.0% |
| Built 2020 or later | 0.0% ±3.5 pts | 0.0% |
| Built 2010 to 2019 | 1.5% ±1.9 pts | 0.6% |
| Built 1939 or earlier | 19.4% ±8.4 pts | 19.9% |
| Households with no vehicle | 4.1% ±3.3 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 104 get to work?
71.3% of Census Tract 104's workers drive alone and 12.0% work from home. The average trip to work takes 36.4 minutes.
| Measure | Tract 104 | Lake Carmel |
|---|---|---|
| In the labor force (age 16+) | 63.4% ±5.7 pts | 69.0% |
| Unemployment rate | 4.5% ±3.9 pts | 3.9% |
| Drove alone to work | 71.3% ±9.6 pts | 74.7% |
| Carpooled | 8.0% ±6.5 pts | 10.4% |
| Public transportation | 6.1% ±3.2 pts | 2.4% |
| Walked | 0.0% ±3.1 pts | 0.0% |
| Worked from home | 12.0% ±5.7 pts | 10.6% |
| Mean travel time to work | 36.4 min ±5.8 | 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 104 compare with the other tracts in Putnam County?
Among Putnam County's tracts with a reliable estimate, Census Tract 104 ranks as shown below (1 = highest).
| Measure | In Putnam County | In Lake Carmel |
|---|---|---|
| Population | 22nd of 24 | 3rd of 3 |
| Residents per square mile | 7th of 24 | 2nd of 3 |
| Median household income | 23rd of 24 | 3rd of 3 |
| Per capita income | 22nd of 24 | 3rd of 3 |
| Median home value | 22nd of 24 | 2nd of 3 |
| Median gross rent | 22nd of 23 | 3rd of 3 |
| Poverty rate | 8th of 16 | 2nd of 3 |
| Bachelor's degree or higher | 22nd of 24 | 3rd of 3 |
| Median age | 15th of 24 | 2nd of 3 |
| Owner-occupied share | 19th of 24 | 3rd of 3 |
The tracts next to it on Putnam County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 101 | 20th | $107,625±$17,364 |
| Tract 102.01 | 21st | $101,339±$42,215 · within the margin of this tract |
| Tract 102.02 | 22nd | $91,458±$31,168 · within the margin of this tract |
| Tract 104 | 23rd | $80,881±$17,545 |
| Tract 118.01 | 24th | $67,599±$21,565 · 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 104?
2 of the 18 figures for Census Tract 104 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