12846 ZIP Code — Lake Luzerne, NY

Warren County, New York

ZIP code 12846 is located in Lake Luzerne, New York, within Warren County. It covers approximately 54.03 square miles and serves a population of 3,004 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12846

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $198,800. Owner-occupancy is high at 83%, well above the national average.

Median household income is $61,875. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 29% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12846 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,004
population
54.03
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12846 ZIP code map
Cities in ZIP code 12846

Below are the cities the US Postal Service accepts for ZIP code 12846. Using any city not on this list may result in mail delivery delays.

City Status
Lake Luzerne Acceptable
Lake Luzerne Preferred
Nearby ZIP codes
12822 Corinth (5.7 mi) 12835 Hadley (7.8 mi) 12804 Queensbury (7.9 mi) 12801 Glens Falls (8.6 mi) 12803 South Glens Falls (9.3 mi) 12845 Lake George (9.3 mi) 12831 Gansevoort (10.6 mi) 12833 Greenfield Center (11.2 mi) 12859 Porter Corners (11.4 mi) 12810 Athol (12 mi) 12828 Fort Edward (12 mi) 12878 Stony Creek (12.8 mi)
Demographics updated 05/2026
Population
Total population 3,004
Population density 56 / sq mi
State FIPS 36
County FIPS 113
Geography
Land area 54.03 sq mi
Water area 1.22 sq mi
Latitude 43.3154
Longitude -73.8119
Timezone Eastern (ET)
Area code 518
Total population by age
Gender
Race & ethnicity
Economics updated 05/2026
Household income
Income range This ZIP County avg State avg
Under $50k 45.0% 38.2% 37.0%
$50k – $100k 33.7% 30.7% 27.0%
$100k – $200k 14.5% 25.1% 24.4%
Over $200k 6.8% 6.0% 11.5%

Demographics & statistics

3,004
Population
56
People per sq mi
52.2
Median age
$61,875
Median household income
$44,185
Per capita income
$198,800
Median home value
$863
Median monthly rent
83.0%
Home ownership
9.3%
Poverty rate
1.2%
Unemployment
2,100
Housing units
28.5%
Bachelor's or higher

Age distribution

Male Female
36
Under 5
35
105
5–9
102
33
10–14
31
15
15–19
15
34
20–24
33
215
25–34
208
176
35–44
170
224
45–54
215
143
55–59
138
212
60–64
204
163
65–74
157
163
75–84
157
10
85+
10
← Male
Female →

Age summary

GroupCount%
Under 1836212.1%
18 and over2,64287.9%
65 and over66022.0%
Median age52.2 years

Race & ethnicity

White 98.1%
Two or more races 0.9%
Black or African American 0.5%
Hispanic or Latino 0.4%
American Indian / Alaska Native 0.1%
GroupCount%
White2,96098.1%
Two or more races270.9%
Black or African American140.5%
Hispanic or Latino130.4%
American Indian / Alaska Native30.1%

Household income

Income range This ZIP County avg State avg
Under $50k 45.0% 38.2% 37.0%
$50k – $100k 33.7% 30.7% 27.0%
$100k – $200k 14.5% 25.1% 24.4%
Over $200k 6.8% 6.0% 11.5%
Under $10k 7.0%
$10k–$15k 6.5%
$15k–$25k 13.0%
$25k–$35k 10.5%
$35k–$50k 7.6%
$50k–$75k 9.9%
$75k–$100k 15.0%
$100k–$150k 13.0%
$150k–$200k 11.6%
$200k+ 5.9%
Range% of households
Under $10k7.0%
$10k–$15k6.5%
$15k–$25k13.0%
$25k–$35k10.5%
$35k–$50k7.6%
$50k–$75k9.9%
$75k–$100k15.0%
$100k–$150k13.0%
$150k–$200k11.6%
$200k+5.9%
Median income$61,875

Housing

Home values

Under $50k 5.1%
$50k–$100k 11.2%
$100k–$150k 10.1%
$150k–$200k 24.4%
$200k–$300k 31.7%
$300k–$500k 16.2%
$500k–$1M 0.7%
$1M+ 0.7%

Housing overview

MetricValue
Median home value$198,800
Median rent / month$863
Owner occupied83.0%
Renter occupied17.0%
Vacant31.7%
Single-family detached81.3%
Large apartment buildings0.4%
Mobile homes14.6%
Median rooms5.6
Avg household size (owned)1.87

Year built

Era%
2020 or later0.0%
2010–20196.9%
2000–20096.1%
1990–19998.8%
1980–198913.7%
1970–19799.3%
1960–196910.5%
1950–195917.2%
1940–19498.3%
1939 or earlier19.1%

Bedrooms

Size% of units
No bedroom (studio)1.1%
1 bedroom8.4%
2 bedrooms43.3%
3 bedrooms37.4%
4 bedrooms6.7%
5+ bedrooms3.1%

Vehicles per household

Vehicles% of households
No vehicle6.5%
1 vehicle36.5%
2 vehicles33.8%
3 or more23.2%

Heating fuel

Fuel type%
Utility gas0.6%
Electricity4.9%
Propane / LP gas25.1%
Fuel oil56.0%
Wood11.7%

Households & families

Household typeCount%
Married-couple family67241.4%
Cohabiting couple855.2%
Male householder, no spouse35621.9%
Female householder, no spouse50931.4%
Households with children under 1822714.0%
Households with seniors (65+)47029.0%
Average household size1.84

Marital status

StatusMaleFemale
Never married16.7%20.4%
Married55.5%49.5%
Separated1.1%0.6%
Widowed6.6%17.8%
Divorced20.1%11.7%

Education

Less than 9th grade 5.5%
Some HS, no diploma 7.4%
HS graduate 27.4%
Some college, no degree 9.4%
Associate's degree 21.9%
Bachelor's degree 11.8%
Graduate / professional 16.7%
Metric%
HS diploma or higher87.1%
Bachelor's or higher28.5%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool5418.5%
Kindergarten7425.3%
Elementary school7325.0%
High school206.8%
College / grad school7124.3%

Employment

Industry of employment

Education & healthcare 31.0%
Professional & management 14.8%
Retail trade 13.8%
Construction 11.6%
Arts, food & hospitality 5.5%
Public administration 5.2%
Other services 5.1%
Manufacturing 4.4%
Agriculture & mining 4.2%
Transportation & utilities 2.2%
Finance & real estate 1.7%
Information 0.5%

Occupation

Category%
Management, business & arts38.4%
Service21.3%
Sales & office22.0%
Natural resources & construction8.6%
Production & transportation9.7%

Employment type

Type%
Private sector69.9%
Government16.1%
Self-employed13.9%
Unpaid family workers0.0%

Commute

Method%
Drive alone83.5%
Carpool13.0%
Public transit0.0%
Walk0.0%
Work from home3.5%
Other means0.0%
Avg commute (minutes)23.3

Poverty

All people 9.3%
Under 18 years 0.0%
18 and over 10.6%
Married-couple families 0.0%
Female-led households 0.0%

Income support

Source% of households
Social Security41.7%
Retirement income26.3%
Supplemental Security8.1%
Cash public assistance1.8%
Food stamps / SNAP10.7%

Health indicators

Condition%
Obesity28.9%
High blood pressure31.9%
High cholesterol31.1%
Diabetes8.6%
Heart disease6.2%
Stroke2.8%
Asthma10.2%
Arthritis24.1%
Kidney disease2.8%
Pulmonary disease7.2%
Cancer7.1%
Behavior / access%
Smoking17.1%
Binge drinking17.8%
No physical activity22.8%
Less than 7 hrs sleep31.2%
Depression22.1%
Fair or poor health11.7%
Poor mental health14.1%
Poor physical health9.6%
No health insurance10.8%
Visited doctor (checkup)77.1%
Visited dentist65.3%
Cholesterol screening90.8%
Teeth loss13.3%

Veterans & disability

VeteransCount%
Civilian veterans1917.2%
Disability%
Any disability14.1%
Under 180.0%
18–64 years12.6%
65 and over26.2%

Health insurance coverage

Type%
Private insurance79.9%
Public insurance39.1%
No insurance2.7%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only2,93397.6%
Spanish80.3%
Other Indo-European00.0%
Asian & Pacific Islander80.3%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)2,95898.5%
Born in same state2,95898.5%
Born in different state2,53484.4%
Foreign born00.0%
Naturalized citizen461.5%
Not a US citizen3371.7%

Ancestry

AncestryCount%
Italian53417.8%
French35811.9%
Arab2367.9%
AncestryCount%
Polish852.8%
German722.4%
English521.7%

Technology access

Metric% of households
Computer access54.0%
Internet access90.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 12846

What city is ZIP code 12846 in?

ZIP code 12846 is primarily assigned to Lake Luzerne, New York.

What county is ZIP code 12846 in?

ZIP code 12846 falls within Warren County, New York.

Is ZIP code 12846 mostly owner-occupied?

83% of occupied units in ZIP code 12846 are owner-occupied, well above the national average.

Does ZIP code 12846 have a large retiree population?

42% of households in ZIP code 12846 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 12846?

ZIP code 12846 has an estimated population of 3,004 residents, with a density of 56 people per square mile.

What is the typical home value in ZIP code 12846?

The median home value in ZIP code 12846 is $198,800.

What timezone is ZIP code 12846 in?

ZIP code 12846 observes the EST timezone.

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