States · New York · Putnam County

Putnam Lake, New York.

A community in Putnam County, with no city government of its own. Zillow publishes no home prices for it: see Putnam County’s.

Living in Putnam Lake, Putnam County, New York

Putnam Lake, in Putnam County, had 3,776 people in the 2020 census. Half its households earn more than $103,561 a year and half less, against $126,257 across Putnam County; 9% of its people live below the poverty line. 96% of its homes are lived in by their owners and 4% are rented. Unemployment in Putnam County was 3.5% in August 2026, and the county had 0.9% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then government.

People 3,776 in the 2020 census
Household income $103,561 the median, give or take $17,557 · Putnam County: $126,257
Unemployment 3.5% Putnam County, August 2026; 3.4% a year before
Homes 96% lived in by their owners; 4% rented
  • 1,376households
  • 31%of adults have a degree
  • 9%below the poverty line
  • 39 mintypical commute
  • 11%work from home

What residents work in

  • Schools, hospitals and social care24%
  • Government14%
  • Transport, warehouses and utilities10%
  • Other services9%
  • Shops (retail)7%
  • Professional and business services7%

Employed residents by industry, from the Census survey. Putnam County had 26,879 jobs in 2025, 0.9% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 33° and 16°; warmest in July, 78° and 61° 20° 40° 60° 80° J 33° 16° F M A M J J 78° 61° A S O N D
Average daily high and low for each month: coldest in January, 33° and 16°; warmest in July, 78° and 61° 20° 40° 60° 80° J 33° 16° F M A M J J 78° 61° A S O N D

Coldest in January, with highs near 33° and lows near 16°; warmest in July, with highs near 78° and lows near 61°. About 50 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Carmel 4N weather station, 5 miles away (NOAA).

Largest workplaces in Putnam County

  1. Putnam County933
  2. Carmel Central School DistrictSchool district805FTE
  3. Mahopac Central School DistrictSchool district683FTE
  4. Brewster Central School DistrictSchool district653FTE
  5. Putnam Hospital CenterGeneral hospital508FTE
  6. Putnam Valley Central School DistrictSchool district262FTE
  7. Haldane Central School DistrictSchool district167FTE
  8. Atlanticare ManagementNursing homes155

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 53 workplaces with 20 or more staff, 6,187 people in all across the county; Putnam Lake has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Strong windRelatively moderate
  2. Winter weatherRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Putnam Lake’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Putnam County.