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Caroga Lake, NY

New York

Caroga Lake is a small town in New York with a population of 496. Residents earn $48,295 per year, which is 36% below the national average.

3.5 /5.0
B+ Good
496 Population 198/sq mi density
$48,295 Median Income $33,198 per capita
$116,800 Home Value $222,160 Zillow
42°F Avg Temperature 259 sunny days/yr
B+
Overall
3.5 / 5.0
Good overall score based on economy, affordability, safety and education
B+
Economy
3.9 / 5.0
$48,295 median income, 0.0% unemployment
A+
Affordability
5.0 / 5.0
$116,800 home value
D
Education
1.6 / 5.0
7.3% bachelor's degree or higher
Median Income $48,295
36% lower than US avg
Home Value $116,800
59% lower than US avg
Bachelor's+ 7.3%
78% lower than US avg
Obesity Rate 35.3%
10% higher than US avg
Unemployment 0.0%
100% lower than US avg
Poverty Rate 6.2%
50% lower than US avg

How Caroga Lake Compares to the U.S. Average (100% = U.S. avg)

People

Population496
Median Age61.9 yrs
Density198/mi²
Male / Female39% / 61%
Largest GroupWhite 98%
Veterans2.4%

Economy

B+
Median Income$48,295
Per Capita$33,198
Unemployment0.0%
Poverty6.2%
County GDP$2,446M
Commute22 min

Housing

A+
Home Value$116,800
RentN/A
OwnershipN/A
Zillow$222,160
Housing Units830
Rent Burden28.3%

Health

Obesity35.3%
Uninsured6.8%
Smoking16.7%
Depression23.7%
Heart Disease6.0%

Climate

Avg Temp42°F (5°C)
AQI36 (Good)
Rain50.7 in/yr
Sunny Days259/yr
Elevation1,468 ft (447 m)

Education

D
Bachelor's+7.3%
High School+86.7%
Graduate+5.1%
School Score5.39

Community

2024 VoteR 68% / D 32%
Commute22 min
Broadband74.5%
Libraries3

Is Caroga Lake a Good Place to Live?

Based on current data, Caroga Lake receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include below-average incomes. Caroga Lake offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Caroga Lake is $48,295, 36% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 6.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.

Cost of Living & Housing

The median home value in Caroga Lake is $116,800, 59% below the national median — offering relatively affordable homeownership. At just 2.4x median income, home prices are very affordable relative to local earnings.

Education

7.3% of residents hold a bachelor's degree, below the national average of 33.7%. 86.7% have completed high school. Area schools have an average test score of 5.4/10.

Climate & Weather

Caroga Lake has a cool climate with an average annual temperature of 42°F. Winters average 16°F in January while summers reach 66°F in July. With 259 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 50.7 inches. Air quality is rated Good with a median AQI of 36.

Caroga Lake has a population of 496 with a density of 198 people per square mile. The median age is 61.9 years, 59% older than the national median of 38.9. The city is predominantly White (98%), with 1.4% Hispanic.

Population

496
Total Population
198
People / sq mi
61.9yrs
Median Age
59% above US avg
2.5mi²
Land Area

Gender Distribution

Male 38.9%
Female 61.1%

Race & Ethnicity

Caroga Lake vs U.S. Average

Language Spoken at Home

English Only100.0%
27% above US avg
Spanish0.0%
100% below US avg

Social Characteristics

Caroga Lake vs U.S. Average

The median household income in Caroga Lake is $48,295, which is 36% below the national average of $75,149. The unemployment rate is 0.0% (below the 3.6% US average). 6.2% of residents live below the poverty line. Workers commute an average of 22 minutes.

Income: Caroga Lake vs U.S.

Commute Mode

Income

Median HH Income$48,295
36% below US avg
Per Capita Income$33,198
Avg Weekly Wage$1,053
IRS Avg AGI$62,967

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate6.2%
50% below US avg
Establishments (County)1,190
County GDP$2,446M

Business (County)

Restaurants118
Healthcare172
Retail196
Manufacturing65

Tax & Cost of Living

Property Tax (IRS)$6,921
98% above US avg
Cost of Living107.90 (100=avg)
Effective Tax Rate5.93%

Commute & Transportation

Commute Time22.2 min
Drive Alone89.2%
Public Transit0.0%
Work from Home10.8%

Walkability

The median home value in Caroga Lake is $116,800, 59% below the national average. Zillow estimates the typical home value at $222,160.

Home Value Sources

Ownership Split

Home Values

Census Median$116,800
59% below US avg
Zillow ZHVI$222,160

Real Estate Market (Redfin)

$/Sq Ft$136
Homes Sold1
Sale-to-List Ratio94.7%
Price Drops0.0%

Rental Costs

Rent Burden28.3%

HUD Fair Market Rent

Studio$1,215
1 Bedroom$1,315
2 Bedrooms$1,579
3 Bedrooms$1,976
4 Bedrooms$2,193

Ownership & Property

Owner-Occupied88.9%
Housing Units830
Median Year Built1946

Property Tax

Avg Tax (IRS)$6,921
98% above US avg
Effective Rate5.93%
In Caroga Lake, 35.3% of adults are obese (above the 32.1% national rate). 6.8% of residents lack health insurance. 16.7% are current smokers. 23.7% report depression. 26.5% are physically inactive.

Health Metrics: Caroga Lake vs U.S. Average (%)

Chronic Conditions

Obesity35.3%
10% above US avg
Diabetes9.3%
Heart Disease6.0%
High Blood Pressure32.0%
Asthma12.4%
COPD7.5%
Cancer7.5%
Stroke3.1%

Behaviors & Mental Health

Smoking16.7%
19% above US avg
Binge Drinking18.9%
Physical Inactivity26.5%
Depression23.7%
Mental Distress19.6%
Physical Distress14.4%
Short Sleep40.9%

Healthcare Access

Insurance Rate96.2%
Uninsured6.8%
21% below US avg
Primary Care1:3,124
Dentists1:4,051
Mental Health1:379
Checkup Rate77.6%
Dental Visits56.9%
Premature Death9,922/100K

Food & Exercise

Food Environment8.0/10
Exercise Access89.6%
Healthcare Facilities172
Caroga Lake has an average annual temperature of 42°F (5°C). Winters average 16°F in January while summers reach 66°F in July. Annual precipitation is 50.7 inches. The area enjoys 259 sunny days per year. Air quality is rated Good with a median AQI of 36.

Temperature

16°F Jan (-9°C) 66°F Jul (19°C)
Annual Average41.5°F
23% below US avg
January Average16°F (-9°C)
July Average66°F (19°C)
Sunny Days259 days/yr

Precipitation & Snow

Annual Rainfall50.7 inches
34% above US avg

Air Quality

AQI Median36.0
RatingGood

Geography

Elevation1,468 ft (447 m)
Area2.5 sq mi (6.5 km²)
Population Density198/sq mi
Coordinates43.1340°N, 74.4814°W
TimezoneAmerica/New_York
County FIPS36035
It is classified as Nonmetro — Urban 20K+, adjacent. 7.3% of residents hold a bachelor's degree or higher (78% below US avg). In the 2024 election, the county voted Republican by a 35.9-point margin. 74.5% of households have broadband internet.

2024 Presidential Election (County)

R 67.9%
D 32.1%

Winner: Republican by 35.9 points

Education

Bachelor's Degree+7.3%
78% below US avg
High School+86.7%
Graduate Degree+5.1%
School Test Score5.39
D Education Grade (1.6/5.0)

Urban-Rural Classification

RUCC Code 4Nonmetro — Urban 20K+, adjacent
Population Density198/sq mi
Total Area2.5 sq mi

Infrastructure & Services

Broadband Access74.5%
Public Libraries3
Healthcare Facilities172
Restaurants118
Retail Stores196

Safety & Disasters

Fatal Crashes (County/yr)2

Commute & Transportation

Avg Commute22.2 min
Drive Alone89.2%
Public Transit0.0%
Work from Home10.8%

Nearby Cities

Gloversville, NY 15,010 pop · 9.0 mi Johnstown, NY 8,153 pop · 10.3 mi Mayfield, NY 1,009 pop · 11.1 mi St. Johnsville, NY 1,882 pop · 13.5 mi Dolgeville, NY 1,948 pop · 15.2 mi Broadalbin, NY 1,800 pop · 15.4 mi Fort Plain, NY 2,274 pop · 15.7 mi Tribes Hill, NY 1,004 pop · 15.8 mi Canajoharie, NY 1,808 pop · 16.8 mi Northville, NY 1,771 pop · 17.3 mi Hagaman, NY 1,131 pop · 19.8 mi Amsterdam, NY 18,162 pop · 19.8 mi Little Falls, NY 4,567 pop · 19.9 mi Herkimer, NY 7,335 pop · 26.9 mi
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