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 Low-density area
- $80,227
- Median income Near-median income area
- $278,100
- Median home value Near-median home value
- 53.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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 average New York ZIP), while per-capita income is $34,610. Both reported hardship measures are comparatively low in absolute terms: poverty is 5.6% and unemployment is 0.0%. Home values sit below the statewide ZIP benchmark: the median is $278,100 (26% below the average New York ZIP); owner occupancy is 92.9%.
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 -. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Franklin County, so 12945 can be compared with both its immediate and county-level context.
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
Who lives in ZIP 12945?
46.8
Median Age
46.0%
Male
54.0%
Female
3.1%
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?
$80,227
Median Household Income
-13% vs state ZIP avg
$34,610
Per Capita Income
5.6%
Poverty Rate
0.0%
Unemployment Rate
How ZIP 12945 ranks among New York ZIPs
Lake Clear, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$80,227 47th percentile higher than 47% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
450housing units
450
Total Housing Units
168
Occupied Units
282
Vacant Units
2.33
Avg Household Size
Occupancy Type
$278,100
Median Home Value
-26% vs state ZIP avg
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.
- 12983
Saranac Lake (12983)
7,494 residents
- 12945 638
Lake Clear (12945)
638 residents
- 12939 205
Gabriels (12939)
205 residents
What this shows Among its immediate neighbors, ZIP 12945 ranks #2 by population - useful context the national average alone can't give.
ZIP 12945 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12945
Lake Clear (12945)
$80,227 median income
- 12983
Saranac Lake (12983)
$65,985 median income
- 12939
Gabriels (12939)
$51,635 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12945, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Franklin County
Related Areas
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.
Related
Take this with you
What to do with ZIP 12945's numbers, next.
- See how ZIP 12945 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lake Clear, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.