Zip code 12945: Lake Clear, New York

Q: What city is zip code 12945?

12945 is assigned to Lake Clear, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12945 in?

12945 is in Franklin County, New York.

Q: What is the population of 12945?

About 391 people live in 12945, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12945?

The median household income in 12945 is $80,227.

Q: What zip codes are near 12945?

The closest zip codes to 12945 are 12983, 12977, 12939, 12970, 12986.

Residential delivery areaFranklin CountyEastern Time

Population

391

Small sample: rough estimates

Median household income

$80K

U.S. $81K

Median home value

$278K

U.S. $333K

Median rent

—

U.S. $1,413

Median age

46.8

U.S. 38.9

Land area

34 sq mi

12 people/sq mi

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

About 12945

12945 is a rural zip code in Lake Clear, New York (Franklin County), covering 34 sq mi of land. About 391 people live here, or 12 per square mile. The median resident is 46.8 years old, compared with 38.9 nationally. With so few residents, the Census figures below are rough estimates with wide margins of error.

The median household earns $80,227 a year, close to the national median of $80,734. 5.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $278,100, or 3.5 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 93% of occupied homes are lived in by their owners.

54% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 20.3 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in management; construction and repair; and business and finance. 21% of them are self-employed (U.S.: 10%).

How 12945 compares

Sorted from highest to lowest national percentile

Only about 391 people live here, so these survey estimates have wide margins of error.

Veterans19%
99th
U.S. 6.2% · NY 3.7%28th of 1,693 in NY
Housing vacancy62.7%
99th
U.S. 10.1% · NY 10%62nd of 1,675 in NY
Homeownership rate92.9%
98th
StrengthU.S. 65.2% · NY 54.3%199th of 1,673 in NY
Self-employed workers21.3%
98th
U.S. 10% · NY 9.7%151st of 1,685 in NY
Residents 65 and older27.9%
95th
U.S. 17.2% · NY 17.9%264th of 1,693 in NY
Median age46.8
91st
U.S. 38.9 · NY 39.8545th of 1,693 in NY
Bachelor's degree or higher53.6%
83rd
StrengthU.S. 35.7% · NY 40.2%282nd of 1,691 in NY
Median earnings per worker$49,615
54th
U.S. $49,666 · NY $55,321935th of 1,676 in NY
Work from home13%
51st
U.S. 15.1% · NY 14.9%703rd of 1,685 in NY
Median household income$80,227
50th
U.S. $80,734 · NY $85,974846th of 1,602 in NY
Residents under 1822%
49th
U.S. 22% · NY 20.5%525th of 1,693 in NY
Government workers12.6%
41st
U.S. 14.5% · NY 16.4%1,352nd of 1,685 in NY
Median home value$278,100
39th
U.S. $332,700 · NY $423,800736th of 1,614 in NY
Per capita income$34,610
33rd
U.S. $44,673 · NY $50,7121,242nd of 1,690 in NY
Healthcare workers8%
28th
U.S. 9.7% · NY 11.8%1,168th of 1,685 in NY
Foreign-born residents3.1%
19th
U.S. 14.1% · NY 22.8%1,025th of 1,693 in NY
Poverty rate5.6%
16th
StrengthU.S. 12.5% · NY 14%1,245th of 1,679 in NY
Broadband access86.3%
16th
WeaknessU.S. 91% · NY 90.8%1,300th of 1,673 in NY
Average commute20.3 min
14th
StrengthU.S. 26.4 min · NY 32.6 min1,361st of 1,618 in NY
Population391
1st
U.S. 334,922,499 · NY 19,852,3661,508th of 1,693 in NY
Population density12/sq mi
1st
U.S. 95/sq mi · NY 421/sq mi1,641st of 1,693 in NY
Unemployment rate0%
1st
StrengthU.S. 5.2% · NY 6.4%1,545th of 1,685 in NY
Diversity index0
1st
U.S. 61.4 · NY 65.51,647th of 1,693 in NY
Uninsured rate0%
1st
StrengthU.S. 8.4% · NY 5.1%1,577th of 1,689 in NY
Tech workers0%
1st
U.S. 3.8% · NY 3.5%1,435th of 1,685 in NY
Income inequality (Gini)0.211
1st
StrengthU.S. 0.483 · NY 0.5171,641st of 1,669 in NY

Measure	12945	Franklin	NY	U.S.	National percentile	Rank in NY
Veterans	19%	7.3%	3.7%	6.2%	99th	28th of 1,693
Housing vacancy	62.7%	23.5%	10%	10.1%	99th	62nd of 1,675
Homeownership rateStrength	92.9%	72.5%	54.3%	65.2%	98th	199th of 1,673
Self-employed workers	21.3%	10.3%	9.7%	10%	98th	151st of 1,685
Residents 65 and older	27.9%	19.5%	17.9%	17.2%	95th	264th of 1,693
Median age	46.8	42	39.8	38.9	91st	545th of 1,693
Bachelor's degree or higherStrength	53.6%	23.8%	40.2%	35.7%	83rd	282nd of 1,691
Median earnings per worker	$49,615	$44,652	$55,321	$49,666	54th	935th of 1,676
Work from home	13%	6.1%	14.9%	15.1%	51st	703rd of 1,685
Median household income	$80,227	$65,151	$85,974	$80,734	50th	846th of 1,602
Residents under 18	22%	19.9%	20.5%	22%	49th	525th of 1,693
Government workers	12.6%	30.4%	16.4%	14.5%	41st	1,352nd of 1,685
Median home value	$278,100	$145,400	$423,800	$332,700	39th	736th of 1,614
Per capita income	$34,610	$32,684	$50,712	$44,673	33rd	1,242nd of 1,690
Healthcare workers	8%	12.3%	11.8%	9.7%	28th	1,168th of 1,685
Foreign-born residents	3.1%	3.5%	22.8%	14.1%	19th	1,025th of 1,693
Poverty rateStrength	5.6%	18.2%	14%	12.5%	16th	1,245th of 1,679
Broadband accessWeakness	86.3%	86.4%	90.8%	91%	16th	1,300th of 1,673
Average commuteStrength	20.3 min	20.7 min	32.6 min	26.4 min	14th	1,361st of 1,618
Population	391	46,696	19,852,366	334,922,499	1st	1,508th of 1,693
Population density	12/sq mi	29/sq mi	421/sq mi	95/sq mi	1st	1,641st of 1,693
Unemployment rateStrength	0%	3.9%	6.4%	5.2%	1st	1,545th of 1,685
Diversity index	0	29.8	65.5	61.4	1st	1,647th of 1,693
Uninsured rateStrength	0%	5.7%	5.1%	8.4%	1st	1,577th of 1,689
Tech workers	0%	0.8%	3.5%	3.8%	1st	1,435th of 1,685
Income inequality (Gini)Strength	0.211	0.425	0.517	0.483	1st	1,641st of 1,669

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

16%

5–17

18–24

12%

25–34

12%

35–44

10%

45–54

13%

55–64

18%

65–74

10%

75+

Median age

46.8

Under 18

22%

65 and over

27.9%

Race and ethnicity

White100%
Black0%
Hispanic0%
Asian0%
Native American0%
Pacific Islander0%
Other0%
Multiracial0%

Diversity index

U.S. 61.4

Foreign-born

3.1%

U.S. 14.1%

Born in state

82.6%

Language spoken at home (households)

English only

100%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 168
Average household size: 2.3
Family households: 73.2%
Married couples: 69%
Living alone: 20.8%
Veterans (of adults): 19%
Male / female: 46% / 54%

Income and poverty

Household income distribution

<$25k

$25–50k

$50–75k

31%

$75–100k

29%

$100–150k

25%

$150–200k

$200k+

Median household income

12945

$80,227

Franklin Co.

$65,151

New York

$85,974

United States

$80,734

Per capita income

$34,610

U.S. $44,673

Poverty rate

5.6%

U.S. 12.5%

Households earning $150K+

1.8%

U.S. 23%

Income inequality (Gini)

0.211

U.S. 0.483

Housing

Median home value

12945

$278,100

Franklin Co.

$145,400

New York

$423,800

United States

$332,700

Median gross rent

12945

—

Franklin Co.

$843

New York

$1,621

United States

$1,413

Types of housing

Single-family

96%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 450
Owner-occupied: 92.9%
Vacant: 62.7%
Median year built: 1939 or earlier
Median rooms: 4.8
Renters paying 30%+ of income: —
Renters paying 50%+ of income: —
Home value to income: 3.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

87%

Carpooled

Transit

Walked

Bicycle

Worked from home

13%

Other

Commute time (one way)

<10 min

16%

10–19

40%

20–29

21%

30–44

15%

45–59

60+

Average commute

20.3 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

54.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

14%

Construction and repair

13%

Business and finance

11%

Engineering and science

11%

Food service

10%

Cleaning and personal care

Healthcare

Sales

Police and fire

Transportation and moving

Office and admin

Education

Legal and social services

0.6%

Computer and math

Arts, media and sports

Farming, fishing and forestry

Production

Industries

Health care and social assistance

18%

Construction

13%

Public administration

13%

Professional and technical services

11%

Restaurants and hotels

10%

Arts and recreation

10%

Retail

Admin, support and management

Education

Transportation, warehousing and utilities

Manufacturing

Finance, insurance and real estate

Other services

Wholesale

Information

Agriculture and mining

Median earnings per worker

$49,615

U.S. $49,666

Self-employed

21.3%

U.S. 10%

Government workers

12.6%

U.S. 14.5%

Nonprofit workers

8.6%

U.S. 8.8%

Median earnings by type of work

Type of work	12945	U.S.
Management, business, science and arts	$60,714	$74,888
Service	$44,643	$26,804
Sales and office	$46,146	$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

24%

Some college

Associate's

14%

Bachelor's

20%

Graduate

33%

High school graduate or higher: 100%
Bachelor's degree or higher: 53.6%
Graduate or professional degree: 33.3%
Households with broadband: 86.3%
Cable, fiber or DSL: 54.2%
No internet access: 13.7%
Without health insurance: 0%
Limited-English households: 0%

Geography

City (USPS): Lake Clear
State: New York
County: Franklin County
Center point: 44.3091° N, 74.2404° W
Land area: 34 sq mi
Water area: 7.6 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Zip codes near 12945

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12983	Saranac Lake, NY	5.5 mi	7,296	$65,985	$225,200
12977	Ray Brook, NY	7.1 mi	1,213	—	—
12939	Gabriels, NY	9.4 mi	173	$51,635	$275,000
12970	Paul Smiths, NY	11 mi	1,084	$84,250	$242,100
12986	Tupper Lake, NY	11 mi	5,326	$67,883	$158,900
12946	Lake Placid, NY	12 mi	4,872	$77,548	$467,000
12976	Rainbow Lake, NY	14 mi	137	$61,406	$231,300
12913	Bloomingdale, NY	14 mi	989	$81,250	$207,900
12973	Piercefield, NY	16 mi	154	$104,091	$106,300
12997	Wilmington, NY	18 mi	1,251	$82,344	$322,600
12989	Vermontville, NY	18 mi	1,110	$84,464	$228,400
12943	Keene Valley, NY	22 mi	260	—	$228,400

Questions about 12945

What city is zip code 12945?

12945 is assigned to Lake Clear, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12945 in?

12945 is in Franklin County, New York.

What is the population of 12945?

About 391 people live in 12945, according to the Census Bureau's American Community Survey.

What time zone is 12945 in?

12945 is in Eastern Time.

What is the median household income in 12945?

The median household income in 12945 is $80,227.

What zip codes are near 12945?

The closest zip codes to 12945 are 12983, 12977, 12939, 12970, 12986.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12945, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.