PlainZIP

Rainbow Lake, NY · standard

ZIP Code 12976

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

260
3/sq mi
$61,406
Median income
$231,300
Median home value
64.3%
Bachelor's or higher

The verdict

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

32th pct
household income, US ZIPs
Top 47%
home value, 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 12976 against every reporting US ZIP.

ZIP code 12976 is a sparsely populated ZIP (a standard USPS delivery area) in Rainbow Lake, Franklin County, New York, home to just 260 residents across 100.0 square miles, a density of 3 people per square mile, in the New York time zone.

ZIP 12976 reports a modest median household income of $61,406 (34% below the New York average), while per-capita income is $43,936. Local economic indicators show a 8.0% poverty rate alongside 0.0% unemployment. Median home value sits at $231,300 (39% below the state average), median rent at - a month, and owner-occupancy at 80.5%.

This is a highly-educated ZIP: 64.3% of adults hold a bachelor's degree or higher, the median age is 64.2, 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 12976 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 12976, Rainbow 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

260

Population

100.0

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 12976?

64.2

Median Age

49.6%

Male

50.4%

Female

2.2%

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?

$61,406

Median Household Income

-34% vs state

$43,936

Per Capita Income

8.0%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 12976 ranks nationally

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

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

$61,406 32nd percentile higher than 32% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 80.9%
Bachelor's Degree or Higher 64.3%

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

What does housing look like?

213

Total Housing Units

87

Occupied Units

126

Vacant Units

1.57

Avg Household Size

Occupancy Type

Owner 80.5%
Renter 19.5%

$231,300

Median Home Value

-39% vs state

1971

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 12976, employing approximately 15 people with a combined annual payroll of $644,000.

6

Businesses

15

Employees

$644K

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 12976 vs 12970 →

ZIP 12976 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 12976 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 12976 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 12976 ranks #2 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
12970 Paul Smiths, NY 963 5.1 mi
12939 Gabriels, NY 205 5.9 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 Rainbow Lake, NY New York

Frequently Asked Questions

What county is ZIP code 12976 in? ▼
ZIP code 12976 (Rainbow Lake) 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 12976? ▼
ZIP code 12976 in Rainbow Lake, NY has a population of 260 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12976? ▼
The median household income in ZIP 12976 is $61,406, which is 20% below the national average of $76,288.
What is the average home value in ZIP 12976? ▼
The median home value in ZIP 12976 is $231,300, which is 17% below the national average of $278,155.
What is the demographic makeup of ZIP 12976? ▼
The largest racial group in ZIP 12976 is White at 100.0%.
How many businesses are in ZIP code 12976? ▼
ZIP code 12976 has 6 business establishments employing approximately 15 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 12976? ▼
In ZIP code 12976, 80.9% of residents aged 25+ have a high school diploma or higher, and 64.3% 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 12976? ▼
In ZIP code 12976, approximately 80.5% of occupied housing units are owner-occupied and 19.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12976? ▼
The poverty rate in ZIP code 12976 is 8.0% 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.