Residential delivery area · New York
ZIP Code 12986: Tupper Lake, NY
ZIP code 12986 uses the postal name Tupper Lake, New York and lies mostly in Franklin County (75% of its land) with the rest in St. Lawrence County (Census 2020 ZIP-county file). About 5,300 people live there (Census Bureau, ACS 2020-2024). Median household income is $67,883 (Census Bureau, ACS 2020-2024). By Census place, under 1% of its land lies in Tupper Lake; more than 99% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2023
- ZBP2023
- IRS2022
- Town
- Tupper Lake · its only residential ZIP
- County
- Franklin County (75%); St. Lawrence County (25%)
- Census places
- Tupper Lake
- House district
- NY-21 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 286.5 sq mi · 19 people per sq mi
Where is ZIP code 12986?
12986 centers on 44.224°, -74.433° and covers 286.5 square miles of land plus 28.0 of water. It borders 10 ZIP codes: 12973, 12945, 12970, 12983, 12927, 12946, 13672, 12847, 12922, 12980.
The map draws ZIP code areas only. For the streets inside 12986, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 12986 compare with the rest of Franklin County?
| Measure | 12986 | In Franklin County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 5,326 | 3rd of 24 | 707th of 1,826 |
| Median household income | $68k | 7th of 14 | 802nd of 1,081 |
| Median home value | $159k | 4th of 14 | 957th of 1,172 |
Its median household income is higher than in 43% of U.S. residential ZIP codes, and it is denser than 25% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 12986?
The 2020 Census counted 5,363 people in 12986; the ACS, which samples households over 2020-2024, estimates 5,326. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 5,326
- 2020 Census count
- 5,363
- Households
- 2,335
- Median age
- 48.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 12986?
Of the 5,326 people the ACS estimates in 12986, 18.4% are under 18 and 26.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (94.5%).
- Under 1818.4%
- 18 to 6454.9%
- 65 and older26.7%
- White, not Hispanic94.5%
- Other or two or more2.1%
- Black, not Hispanic2.0%
- Hispanic or Latino1.4%
- Asian, not Hispanic0.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 12986 earn?
Median household income is $67,883 (ACS 2020-2024), the 7th highest of the 14 ranked ZIP codes in Franklin County.
- Median household income
- $67,883±$11,616
- Income per person
- $35,777
- Below the poverty line
- 16.9%
- Unemployed (of the labor force)
- 2.0%
- Adults 25+ with a bachelor's degree
- 22.5%
- Adjusted gross income per tax return, 2022
- $66,8362,520 returns; wages 60% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 12986?
- Median home value (owners' estimate)
- $158,900
- Median gross rent
- $790
- Homes owned by their occupants
- 72.7%
- Housing units
- 3,681
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 12986?
136 business establishments had a location in this ZIP code in 2023, 12 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction25
- Accommodation and food services22
- Retail trade21
- Health care and social assistance17
- Other services (except public administration)10
- Agriculture, forestry, fishing and hunting6
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 12986?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12973 | Piercefield | 154 | $104k | 7.9 mi |
| 12945 | Lake Clear | 391 | $80k | 11.2 mi |
| 12970 | Paul Smiths | 1,084 | $84k | 16.1 mi |
| 12983 | Saranac Lake | 7,296 | $66k | 16.7 mi |
| 12927 | Cranberry Lake | 318 | $68k | 18.7 mi |
| 12946 | Lake Placid | 4,872 | $78k | 19.2 mi |
| 13672 | Parishville | 449 | $76k | 20.4 mi |
| 12847 | Long Lake | 740 | $71k | 20.5 mi |
| 12922 | Childwold | 44 | $88k | 21.3 mi |
| 12980 | Saint Regis Falls | 1,075 | $61k | 23.9 mi |
| 12977 | Ray Brook | 1,213 | – | 17.3 mi (near) |
| 12939 | Gabriels | 173 | $52k | 19.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.