PlainZIP

Silver Bay, NY · standard

ZIP Code 12874

Warren County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

142
3/sq mi
$158,500
Median income
60.1%
Bachelor's or higher

The verdict

Silver Bay pairs a top-decile household income, in a rural, homeowner-dominated area.

Top 3%
household income, US ZIPs
3
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12874 against every reporting US ZIP.

ZIP code 12874 is a sparsely populated ZIP (a standard USPS delivery area) in Silver Bay, Warren County, New York, home to just 142 residents across 54.6 square miles, a density of 3 people per square mile, in the New York time zone.

ZIP 12874 skews affluent, with a median household income of $158,500 (71% above the New York average), while per-capita income is $73,094. Poverty here runs at 13.2%, with unemployment measured at 0.0%. The typical home here is valued at -; renters pay a median of - monthly, and 81.3% of units are owner-occupied.

This is a highly-educated ZIP: 60.1% of adults hold a bachelor's degree or higher, the median age is 58.5, and the average commute is -. To put 12874 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Warren County, for a geography-aware comparison.

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 →

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 12874, Silver Bay, 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

142

Population

54.6

Area (sq mi)

3

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 12874?

58.5

Median Age

47.3%

Male

52.7%

Female

1.0%

Foreign-Born

White 97.1%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.9%
Hispanic or Latino 0.0%

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?

$158,500

Median Household Income

+71% vs state

$73,094

Per Capita Income

13.2%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 12874 ranks nationally

Silver Bay, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$158,500 Top 3% higher than 97% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 78.5%
Bachelor's Degree or Higher 60.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

430

Total Housing Units

112

Occupied Units

318

Vacant Units

1.83

Avg Household Size

Occupancy Type

Owner 81.3%
Renter 18.8%

1957

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 6 business establishments in ZIP 12874, employing approximately 129 people with a combined annual payroll of $8,213,000.

6

Businesses

129

Employees

$8.2M

Annual Payroll

0

Industry Sectors

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 12874 vs 12836 →

ZIP 12874 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 12874 ranks #6 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12874 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 12874 ranks the highest of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
12836 Hague, NY 574 4.2 mi
12841 Huletts Landing, NY 77 4.4 mi
12815 Brant Lake, NY 871 7.4 mi
12819 Clemons, NY 403 7.2 mi
12814 Bolton Landing, NY 1,574 7.4 mi
12861 Putnam Station, NY 609 7.6 mi

More ZIP Codes in Warren County

12804 standard
Queensbury, NY
Pop: 26,540
12801 standard
Glens Falls, NY
Pop: 14,707
12845 standard
Lake George, NY
Pop: 4,842
12885 standard
Warrensburg, NY
Pop: 4,602
12846 standard
Lake Luzerne, NY
Pop: 3,298
12817 standard
Chestertown, NY
Pop: 2,274

Related Areas

Warren County Silver Bay, NY New York

Frequently Asked Questions

What county is ZIP code 12874 in? ▼
ZIP code 12874 (Silver Bay) is located in Warren County, New York. Warren County contains multiple ZIP codes, see the full list at /counties/warren-ny.
What is the population of ZIP code 12874? ▼
ZIP code 12874 in Silver Bay, NY has a population of 142 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12874? ▼
The median household income in ZIP 12874 is $158,500, which is 108% above the national average of $76,288.
What is the demographic makeup of ZIP 12874? ▼
The largest racial group in ZIP 12874 is White at 97.1%.
How many businesses are in ZIP code 12874? ▼
ZIP code 12874 has 6 business establishments employing approximately 129 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 12874? ▼
In ZIP code 12874, 78.5% of residents aged 25+ have a high school diploma or higher, and 60.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 12874? ▼
In ZIP code 12874, approximately 81.3% of occupied housing units are owner-occupied and 18.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12874? ▼
The poverty rate in ZIP code 12874 is 13.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.