ZIP Code 12786 — White Lake, New York

The median home in 12786 is valued at $167,000 against a median household income of $80,568, a price-to-income ratio of 2.1. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Sullivan County, 12786 ranks 4 of 37 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4.

12786 ranks 766 of 1,572 statewide on median household income and 1,107 of 1,572 on median home value; its income is above the $73,919 Sullivan County median. 90% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 42% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 9.0%, below the 9.9% statewide ZIP median.

With 32 residents per square mile across 17.2 square miles of land, 12786 is far less dense than the statewide ZIP median of 197 (rank 1,343 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.