White Lake, NY · standard
ZIP Code 12786
Sullivan County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 665
- 17/sq mi
- $172,800
- Median home value
- 35.5%
- Bachelor's or higher
The verdict
White Lake pairs below-median home values, in a rural, homeowner-dominated area.
- 36th pct
- home value, US ZIPs
- 17
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12786 against every reporting US ZIP.
ZIP code 12786 is a sparsely populated ZIP (a standard USPS delivery area) in White Lake, Sullivan County, New York, home to just 665 residents across 38.7 square miles, a density of 17 people per square mile, in the New York time zone.
Median household income is not on file for ZIP 12786, but per-capita income is $46,594. The poverty rate stands at 8.2% and the unemployment rate at 0.0%. The typical home here is valued at $172,800 (54% below the state average); renters pay a median of - monthly, and 66.5% of units are owner-occupied.
A solid share of residents have a four-year degree: 35.5% of adults hold a bachelor's degree or higher, the median age is 56.5, and the average commute is -. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 12786, plus 6 more within Sullivan County, give a clearer read than the national average alone.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 12786
Top 5 sectors by establishment count in White Lake, NY
Which industries have the most business establishments in ZIP 12786.
- Construction
Construction
6 establishments
- Retail trade
Retail trade
4 establishments
- Accommodation and food services
Accommodation and food services
4 establishments
- Health care and social assistance
Health care and social assistance
3 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12786, White Lake, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
665
Population
38.7
Area (sq mi)
17
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12786?
56.5
Median Age
57.2%
Male
42.8%
Female
16.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$46,594
Per Capita Income
8.2%
Poverty Rate
0.0%
Unemployment Rate
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
805
Total Housing Units
272
Occupied Units
533
Vacant Units
2.17
Avg Household Size
Occupancy Type
$172,800
Median Home Value
-54% vs state
1962
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 27 business establishments in ZIP 12786, employing approximately 145 people with a combined annual payroll of $4,867,000.
27
Businesses
145
Employees
$4.9M
Annual Payroll
4
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 6 | 22.2% |
| Retail trade | 4 | 14.8% |
| Accommodation and food services | 4 | 14.8% |
| Health care and social assistance | 3 | 11.1% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 12786 vs 12778 →
ZIP 12786 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12764
Narrowsburg (12764)
1,802 residents
- 12783
Swan Lake (12783)
1,668 residents
- 12726
Cochecton (12726)
1,162 residents
- 12732
Eldred (12732)
786 residents
- 12786 665
White Lake (12786)
665 residents
- 12778 633
Smallwood (12778)
633 residents
- 12762 512
Mongaup Valley (12762)
512 residents
- 12743 389
Highland Lake (12743)
389 residents
- 12749 300
Kauneonga Lake (12749)
300 residents
What this shows Among its immediate neighbors, ZIP 12786 ranks #5 by population - useful context the national average alone can't give.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12778 | Smallwood, NY | 633 | 2.4 mi |
| 12720 | Bethel, NY | 172 | 2.8 mi |
| 12749 | Kauneonga Lake, NY | 300 | 3.9 mi |
| 12762 | Mongaup Valley, NY | 512 | 3.8 mi |
| 12732 | Eldred, NY | 786 | 5.5 mi |
| 12743 | Highland Lake, NY | 389 | 6.8 mi |
| 12783 | Swan Lake, NY | 1,668 | 7.0 mi |
| 12764 | Narrowsburg, NY | 1,802 | 7.4 mi |
| 12752 | Lake Huntington, NY | 242 | 7.5 mi |
| 12726 | Cochecton, NY | 1,162 | 7.3 mi |
More ZIP Codes in Sullivan County
Related Areas
Frequently Asked Questions
What county is ZIP code 12786 in? ▼
What is the population of ZIP code 12786? ▼
What is the average home value in ZIP 12786? ▼
What is the demographic makeup of ZIP 12786? ▼
How many businesses are in ZIP code 12786? ▼
What are the main industries in ZIP code 12786? ▼
What is the education level in ZIP code 12786? ▼
What percentage of residents own vs. rent in ZIP 12786? ▼
What is the poverty rate in ZIP code 12786? ▼
Read our methodology to see how this data is sourced, computed, and verified.