Zip code 12786: White Lake, New York

Q: What city is zip code 12786?

12786 is assigned to White Lake, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12786 in?

12786 is in Sullivan County, New York.

Q: What is the population of 12786?

About 610 people live in 12786, according to the Census Bureau's American Community Survey.

Q: What zip codes are near 12786?

The closest zip codes to 12786 are 12720, 12778, 12762, 12749, 12732.

Residential delivery areaSullivan CountyEastern Time

Population

610

Median household income

—

U.S. $81K

Median home value

$173K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

56.5

U.S. 38.9

Land area

17 sq mi

36 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 12786

12786 is a rural zip code in White Lake, New York (Sullivan County), covering 17 sq mi of land. About 610 people live here, or 36 per square mile. The median resident is 56.5 years old, compared with 38.9 nationally.

8.2% of residents live below the poverty line (U.S.: 12.5%). The median home value is $172,800. 67% of occupied homes are lived in by their owners.

36% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 30.1 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in office and administrative support; computer and math (tech); and management. 21% of households speak a language other than English at home, most often another Indo-European language such as French, German, Russian or Hindi.

How 12786 compares

Sorted from highest to lowest national percentile

Broadband access100%
99th
StrengthU.S. 91% · NY 90.8%81st of 1,673 in NY
Housing vacancy66.2%
99th
U.S. 10.1% · NY 10%46th of 1,675 in NY
Rent-burdened renters100%
99th
WeaknessU.S. 51.1% · NY 52.1%60th of 1,579 in NY
Residents 65 and older38.2%
99th
U.S. 17.2% · NY 17.9%92nd of 1,693 in NY
Tech workers24.5%
99th
U.S. 3.8% · NY 3.5%6th of 1,685 in NY
Median age56.5
98th
U.S. 38.9 · NY 39.8133rd of 1,693 in NY
Government workers29.1%
98th
U.S. 14.5% · NY 16.4%173rd of 1,685 in NY
Average commute30.1 min
74th
U.S. 26.4 min · NY 32.6 min628th of 1,618 in NY
Uninsured rate10%
71st
U.S. 8.4% · NY 5.1%138th of 1,689 in NY
Foreign-born residents16.1%
67th
U.S. 14.1% · NY 22.8%366th of 1,693 in NY
Per capita income$46,594
66th
U.S. $44,673 · NY $50,712666th of 1,690 in NY
Median earnings per worker$52,208
61st
U.S. $49,666 · NY $55,321777th of 1,676 in NY
Bachelor's degree or higher35.5%
57th
U.S. 35.7% · NY 40.2%726th of 1,691 in NY
Healthcare workers9.9%
57th
U.S. 9.7% · NY 11.8%871st of 1,685 in NY
Homeownership rate66.5%
45th
U.S. 65.2% · NY 54.3%1,256th of 1,673 in NY
Diversity index45.5
44th
U.S. 61.4 · NY 65.5480th of 1,693 in NY
Income inequality (Gini)0.425
41st
U.S. 0.483 · NY 0.517801st of 1,669 in NY
Veterans4.8%
36th
U.S. 6.2% · NY 3.7%962nd of 1,693 in NY
Poverty rate8.2%
33rd
U.S. 12.5% · NY 14%979th of 1,679 in NY
Work from home9.8%
33rd
U.S. 15.1% · NY 14.9%1,007th of 1,685 in NY
Median home value$172,800
15th
U.S. $332,700 · NY $423,8001,156th of 1,614 in NY
Residents under 1814.3%
7th
U.S. 22% · NY 20.5%1,353rd of 1,693 in NY
Population density36/sq mi
5th
U.S. 95/sq mi · NY 421/sq mi1,432nd of 1,693 in NY
Population610
1st
U.S. 334,922,499 · NY 19,852,3661,424th of 1,693 in NY
Unemployment rate0%
1st
StrengthU.S. 5.2% · NY 6.4%1,650th of 1,685 in NY
Self-employed workers0%
1st
U.S. 10% · NY 9.7%1,670th of 1,685 in NY

Measure	12786	Sullivan	NY	U.S.	National percentile	Rank in NY
Broadband accessStrength	100%	89.4%	90.8%	91%	99th	81st of 1,673
Housing vacancy	66.2%	37.1%	10%	10.1%	99th	46th of 1,675
Rent-burdened rentersWeakness	100%	48.2%	52.1%	51.1%	99th	60th of 1,579
Residents 65 and older	38.2%	19.3%	17.9%	17.2%	99th	92nd of 1,693
Tech workers	24.5%	1.3%	3.5%	3.8%	99th	6th of 1,685
Median age	56.5	41.7	39.8	38.9	98th	133rd of 1,693
Government workers	29.1%	18.4%	16.4%	14.5%	98th	173rd of 1,685
Average commute	30.1 min	28 min	32.6 min	26.4 min	74th	628th of 1,618
Uninsured rate	10%	5.5%	5.1%	8.4%	71st	138th of 1,689
Foreign-born residents	16.1%	13%	22.8%	14.1%	67th	366th of 1,693
Per capita income	$46,594	$42,334	$50,712	$44,673	66th	666th of 1,690
Median earnings per worker	$52,208	$47,194	$55,321	$49,666	61st	777th of 1,676
Bachelor's degree or higher	35.5%	30.1%	40.2%	35.7%	57th	726th of 1,691
Healthcare workers	9.9%	12.5%	11.8%	9.7%	57th	871st of 1,685
Homeownership rate	66.5%	67.4%	54.3%	65.2%	45th	1,256th of 1,673
Diversity index	45.5	51.9	65.5	61.4	44th	480th of 1,693
Income inequality (Gini)	0.425	0.495	0.517	0.483	41st	801st of 1,669
Veterans	4.8%	5.6%	3.7%	6.2%	36th	962nd of 1,693
Poverty rate	8.2%	15.9%	14%	12.5%	33rd	979th of 1,679
Work from home	9.8%	13.2%	14.9%	15.1%	33rd	1,007th of 1,685
Median home value	$172,800	$249,000	$423,800	$332,700	15th	1,156th of 1,614
Residents under 18	14.3%	21.4%	20.5%	22%	7th	1,353rd of 1,693
Population density	36/sq mi	82/sq mi	421/sq mi	95/sq mi	5th	1,432nd of 1,693
Population	610	79,721	19,852,366	334,922,499	1st	1,424th of 1,693
Unemployment rateStrength	0%	5.8%	6.4%	5.2%	1st	1,650th of 1,685
Self-employed workers	0%	12.4%	9.7%	10%	1st	1,670th of 1,685

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

23%

25–34

35–44

45–54

16%

55–64

18%

65–74

20%

75+

Median age

56.5

Under 18

14.3%

65 and over

38.2%

Race and ethnicity

White72%
Black15%
Hispanic5%
Asian0%
Native American0%
Pacific Islander0%
Other9%
Multiracial0%

Diversity index

45.5

U.S. 61.4

Foreign-born

16.1%

U.S. 14.1%

Born in state

56.6%

Language spoken at home (households)

English only

79%

Spanish

Other Indo-European

21%

Asian / Pacific

Other

Households

Households: 272
Average household size: 2.2
Family households: 73.2%
Married couples: 71.3%
Living alone: 26.8%
Veterans (of adults): 4.8%
Male / female: 57% / 43%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

18%

$50–75k

22%

$75–100k

10%

$100–150k

11%

$150–200k

14%

$200k+

14%

Median household income

12786

—

Sullivan Co.

$72,382

New York

$85,974

United States

$80,734

Per capita income

$46,594

U.S. $44,673

Poverty rate

8.2%

U.S. 12.5%

Households earning $150K+

27.9%

U.S. 23%

Income inequality (Gini)

0.425

U.S. 0.483

Housing

Median home value

12786

$172,800

Sullivan Co.

$249,000

New York

$423,800

United States

$332,700

Median gross rent

12786

—

Sullivan Co.

$1,106

New York

$1,621

United States

$1,413

Types of housing

Single-family

89%

2–4 units

11%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 805
Owner-occupied: 66.5%
Vacant: 66.2%
Median year built: 1962
Median rooms: 5.2
Renters paying 30%+ of income: 100%
Renters paying 50%+ of income: 33%
Home value to income: —

Work and commute

How people get to work

Drove alone

90%

Carpooled

Transit

Walked

Bicycle

Worked from home

10%

Other

Commute time (one way)

<10 min

19%

10–19

23%

20–29

32%

30–44

45–59

60+

18%

Average commute

30.1 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

57.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

33%

Computer and math

25%

Management

23%

Healthcare

10%

Construction and repair

Business and finance

Education

Transportation and moving

Engineering and science

Legal and social services

Arts, media and sports

Police and fire

Food service

Cleaning and personal care

Sales

Farming, fishing and forestry

Production

Industries

Education

33%

Transportation, warehousing and utilities

22%

Health care and social assistance

14%

Other services

12%

Public administration

Finance, insurance and real estate

Manufacturing

Retail

Professional and technical services

Construction

Restaurants and hotels

Admin, support and management

Wholesale

Information

Arts and recreation

Agriculture and mining

Median earnings per worker

$52,208

U.S. $49,666

Self-employed

U.S. 10%

Government workers

29.1%

U.S. 14.5%

Nonprofit workers

25.2%

U.S. 8.8%

Median earnings by type of work

Type of work	12786	U.S.
Management, business, science and arts	$64,297	$74,888
Service	—	$26,804
Sales and office	under $2,500	$40,476
Construction and maintenance	—	$49,199
Production and transportation	—	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

16%

Some college

34%

Associate's

Bachelor's

24%

Graduate

12%

High school graduate or higher: 93.2%
Bachelor's degree or higher: 35.5%
Graduate or professional degree: 11.8%
Households with broadband: 100%
Cable, fiber or DSL: 100%
No internet access: 0%
Without health insurance: 10%
Limited-English households: 11%

Geography

City (USPS): White Lake
State: New York
County: Sullivan County
Center point: 41.6387° N, 74.8576° W
Land area: 17 sq mi
Water area: 2.8 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

White Lake (unincorporated)5% of zip
Smallwood (unincorporated)3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 12786

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12720	Bethel, NY	2.3 mi	447	$66,597	$424,100
12778	Smallwood, NY	2.7 mi	707	$50,959	$170,700
12762	Mongaup Valley, NY	3.7 mi	394	$87,381	—
12749	Kauneonga Lake, NY	4.1 mi	419	$175,083	$170,800
12732	Eldred, NY	5.9 mi	776	$50,125	$245,600
12727	Cochecton Center, NY · PO box	6.6 mi	—	—	—
12726	Cochecton, NY	6.8 mi	1,168	$77,149	$377,000
12783	Swan Lake, NY	7 mi	1,060	$67,778	$248,200
12743	Highland Lake, NY	7.2 mi	279	$86,053	$270,800
12752	Lake Huntington, NY	7.2 mi	309	—	$403,400
12764	Narrowsburg, NY	7.8 mi	1,861	$67,778	$265,800
12701	Monticello, NY	8.2 mi	12,197	$57,222	$203,100

Questions about 12786

What city is zip code 12786?

12786 is assigned to White Lake, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12786 in?

12786 is in Sullivan County, New York.

What is the population of 12786?

About 610 people live in 12786, according to the Census Bureau's American Community Survey.

What time zone is 12786 in?

12786 is in Eastern Time.

What zip codes are near 12786?

The closest zip codes to 12786 are 12720, 12778, 12762, 12749, 12732.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12786, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.