PlainZIP

Lake Clear, NY · standard

ZIP Code 12945

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

638
7/sq mi
$80,227
Median income
$278,100
Median home value
53.6%
Bachelor's or higher

The verdict

Lake Clear pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 38%
household income, US ZIPs
Top 37%
home value, US ZIPs
7
people per sq mi
93%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12945 against every reporting US ZIP.

ZIP code 12945 is a sparsely populated ZIP (a standard USPS delivery area) in Lake Clear, Franklin County, New York, home to just 638 residents across 86.2 square miles, a density of 7 people per square mile, in the New York time zone.

ZIP 12945 lands in the middle-income range, with a median household income of $80,227 (13% below the New York average), while per-capita income is $34,610. Local economic indicators show a 5.6% poverty rate alongside 0.0% unemployment. Housing costs here run $278,100 for a typical home value (26% below the state average), with rent averaging - a month; 92.9% of homes are owner-occupied.

This is a highly-educated ZIP: 53.6% of adults hold a bachelor's degree or higher, the median age is 46.8, and the average commute is -. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Franklin County, so you can benchmark 12945 against its immediate geography rather than a 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 →

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 12945, Lake Clear, 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

638

Population

86.2

Area (sq mi)

7

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 12945?

46.8

Median Age

46.0%

Male

54.0%

Female

3.1%

Foreign-Born

White 100.0%
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 0.0%
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?

$80,227

Median Household Income

-13% vs state

$34,610

Per Capita Income

5.6%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 12945 ranks nationally

Lake Clear, NY household income vs. every US ZIP code

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

$80,227 Top 38% higher than 62% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $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 77.7%
Bachelor's Degree or Higher 53.6%

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

What does housing look like?

450

Total Housing Units

168

Occupied Units

282

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 92.9%
Renter 7.1%

$278,100

Median Home Value

-26% vs state

1938

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 13 business establishments in ZIP 12945, employing approximately 33 people with a combined annual payroll of $1,307,000.

13

Businesses

33

Employees

$1.3M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 5 38.5%

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 12945 vs 12983 →

ZIP 12945 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 12945 ranks #2 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 12945 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 12945 ranks the highest of 3 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
12983 Saranac Lake, NY 7,494 2.1 mi
12939 Gabriels, NY 205 7.2 mi

More ZIP Codes in Franklin County

12953 standard
Malone, NY
Pop: 15,836
12983 standard
Saranac Lake, NY
Pop: 7,494
12986 standard
Tupper Lake, NY
Pop: 6,120
13655 standard
Hogansburg, NY
Pop: 3,512
12966 standard
North Bangor, NY
Pop: 2,915
12920 standard
Chateaugay, NY
Pop: 2,842

Related Areas

Franklin County Lake Clear, NY New York

Frequently Asked Questions

What county is ZIP code 12945 in? ▼
ZIP code 12945 (Lake Clear) is located in Franklin County, New York. Franklin County contains multiple ZIP codes, see the full list at /counties/franklin-ny.
What is the population of ZIP code 12945? ▼
ZIP code 12945 in Lake Clear, NY has a population of 638 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12945? ▼
The median household income in ZIP 12945 is $80,227, which is 5% above the national average of $76,288.
What is the average home value in ZIP 12945? ▼
The median home value in ZIP 12945 is $278,100, which is 0% below the national average of $278,155.
What is the demographic makeup of ZIP 12945? ▼
The largest racial group in ZIP 12945 is White at 100.0%.
How many businesses are in ZIP code 12945? ▼
ZIP code 12945 has 13 business establishments employing approximately 33 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 12945? ▼
In ZIP code 12945, 77.7% of residents aged 25+ have a high school diploma or higher, and 53.6% 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 12945? ▼
In ZIP code 12945, approximately 92.9% of occupied housing units are owner-occupied and 7.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12945? ▼
The poverty rate in ZIP code 12945 is 5.6% 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.