| ZIP Code | 12786 |
|---|---|
| City | White Lake |
| State | New York (NY) |
| County | Sullivan County |
| Area Code | 329/845 |
| Elevation | 1,304 ft |
| Latitude | 41.63871 |
|---|---|
| Longitude | -74.857609 |
| Timezone | New York (DST) |
| FIPS | 36105 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 65.3 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.03 |
| Below Poverty | 9.0% ▼ 10% below avg |
| College Grads | 51.9% ▲ 34% above avg |
| Unemployment | 0.0% ▼ 100% below avg |
| No HS Diploma | 37 (8.4%) |
| HS Graduate | 86 (19.4%) |
| Some College | 52 (11.7%) |
| Associates | 38 (8.6%) |
| Bachelors | 50 (11.3%) |
| Graduate Degree | 180 (40.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $80,568 ≈ Avg ↑ 32% since 2019 |
|---|---|
| Median Home Value | $167,000 ▼ 40% below avg ↓ 4% since 2019 |
| Home/Income Ratio | 2.1x (nat avg ~3.5x) |
| Total Units | 926 |
| Vacant Units | 665 |
| Avg HH Size | 2.03 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 926 |
|---|---|
| Vacant | 665 |
| Owner Occupied | 90.0% |
| Renter Occupied | 10.0% |
| Avg HH Size | 2.03 |
ZIP code 12786 is located in White Lake, New York, within Sullivan County. With a population of 553, this is a sparsely populated ZIP code with an older community — the median age is 65.3 years. Economically, 12786 is a middle-income ZIP code: the median household income of $80,568 is near the national average.
Real estate in ZIP code 12786 represents an affordable housing market. The median home value of $167,000 is below the national average. Homeownership is strong here — 90.0% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have decreased by 4% since 2019.
The population of 12786 is primarily White (75.95%). Residents are well-educated — 51.9% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 9.0%. Household income has grown by 32% since 2019.
About 13% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 87%.
Overall, ZIP code 12786 in White Lake, NY is characterized as middle-income, well-educated, an older community, and predominantly owner-occupied. With 553 residents, a median household income of $80,568, and a median home value of $167,000, it offers a clear picture of life in this part of New York.