12969 ZIP Code — Owls Head, NY

Franklin County, New York

ZIP code 12969 is located in Owls Head, New York, within Franklin County. It covers approximately 110.99 square miles and serves a population of 219 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12969

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 $113,400. Owner-occupancy is high at 86%, well above the national average.

Median household income is $57,188. 66% 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 22 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 27% of civilians, above the national average of 7%.

Overall, ZIP code 12969 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

219

population

110.99

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12969 ZIP code map

Cities in ZIP code 12969

Below are the cities the US Postal Service accepts for ZIP code 12969. Using any city not on this list may result in mail delivery delays.

City	Status
Owls Head	Acceptable
Owls Head	Preferred

Nearby ZIP codes

12952 Lyon Mountain (6.6 mi) 12955 Lyon Mountain (7.4 mi) 12953 Malone (8.3 mi) 12920 Chateaugay (11.5 mi) 12934 Ellenburg Center (12.2 mi) 12989 Vermontville (13.1 mi) 12981 Saranac (13.8 mi) 12917 Burke (14.7 mi) 12978 Redford (15.2 mi) 12923 Churubusco (17.1 mi) 12935 Ellenburg Depot (17.4 mi) 12966 North Bangor (17.9 mi)

Demographics updated 05/2026

Population
Total population	219
Population density	2 / sq mi
State FIPS	36
County FIPS	033

Geography
Land area	110.99 sq mi
Water area	1.98 sq mi
Latitude	44.7177
Longitude	-74.0765
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	50.3%	46.8%	37.0%
$50k – $100k	29.9%	32.0%	27.0%
$100k – $200k	19.8%	17.5%	24.4%
Over $200k	0.0%	3.8%	11.5%

Demographics & statistics

219

Population

People per sq mi

63.9

Median age

$57,188

Median household income

$36,164

Per capita income

$113,400

Median home value

Median monthly rent

85.7%

Home ownership

16.9%

Poverty rate

22.5%

Unemployment

419

Housing units

32.0%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

15–19

25–34

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	19	8.7%
18 and over	200	91.3%
65 and over	109	49.8%
Median age	63.9 years

Race & ethnicity

White 97.7%

American Indian / Alaska Native 1.4%

Two or more races 0.9%

Group	Count	%
White	214	97.7%
American Indian / Alaska Native	3	1.4%
Two or more races	2	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.3%	46.8%	37.0%
$50k – $100k	29.9%	32.0%	27.0%
$100k – $200k	19.8%	17.5%	24.4%
Over $200k	0.0%	3.8%	11.5%

Under $10k 9.2%

$10k–$15k 3.4%

$15k–$25k 14.3%

$25k–$35k 5.0%

$35k–$50k 12.6%

$50k–$75k 18.5%

$75k–$100k 15.1%

$100k–$150k 9.2%

$150k–$200k 0.8%

$200k+ 11.8%

Range	% of households
Under $10k	9.2%
$10k–$15k	3.4%
$15k–$25k	14.3%
$25k–$35k	5.0%
$35k–$50k	12.6%
$50k–$75k	18.5%
$75k–$100k	15.1%
$100k–$150k	9.2%
$150k–$200k	0.8%
$200k+	11.8%
Median income	$57,188

Housing

Home values

Under $50k 13.7%

$50k–$100k 21.6%

$100k–$150k 27.5%

$150k–$200k 5.9%

$200k–$300k 9.8%

$300k–$500k 17.6%

$500k–$1M 3.9%

Housing overview

Metric	Value
Median home value	$113,400
Median rent / month	$0
Owner occupied	85.7%
Renter occupied	14.3%
Vacant	72.7%
Single-family detached	81.9%
Large apartment buildings	0.0%
Mobile homes	11.0%
Median rooms	5.2
Avg household size (owned)	1.71

Year built

Era	%
2020 or later	0.0%
2010–2019	3.7%
2000–2009	6.4%
1990–1999	14.2%
1980–1989	6.2%
1970–1979	3.2%
1960–1969	4.8%
1950–1959	7.6%
1940–1949	4.8%
1939 or earlier	49.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	16.7%
2 bedrooms	36.5%
3 bedrooms	36.0%
4 bedrooms	8.9%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	0.8%
1 vehicle	40.3%
2 vehicles	40.3%
3 or more	18.5%

Heating fuel

Fuel type	%
Utility gas	0.8%
Propane / LP gas	36.1%
Fuel oil	39.5%
Wood	23.5%

Households & families

Household type	Count	%
Married-couple family	78	65.5%
Cohabiting couple	3	2.5%
Male householder, no spouse	23	19.3%
Female householder, no spouse	15	12.6%
Households with children under 18	18	15.1%
Households with seniors (65+)	72	60.5%
Average household size	1.83

Marital status

Status	Male	Female
Never married	7.6%	5.1%
Married	68.6%	82.7%
Separated	1.9%	0.0%
Widowed	0.0%	5.1%
Divorced	21.9%	7.1%

Education

Less than 9th grade 1.5%

Some HS, no diploma 3.5%

HS graduate 38.0%

Some college, no degree 21.5%

Associate's degree 3.5%

Bachelor's degree 17.0%

Graduate / professional 15.0%

Metric	%
HS diploma or higher	95.0%
Bachelor's or higher	32.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	14	73.7%
Elementary school	0	0.0%
High school	5	26.3%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 29.1%

Arts, food & hospitality 18.2%

Construction 16.4%

Other services 12.7%

Public administration 10.9%

Agriculture & mining 5.5%

Professional & management 5.5%

Manufacturing 1.8%

Occupation

Category	%
Management, business & arts	45.5%
Service	0.0%
Sales & office	29.1%
Natural resources & construction	14.5%
Production & transportation	10.9%

Employment type

Type	%
Private sector	54.5%
Government	23.6%
Self-employed	21.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	88.0%
Carpool	6.0%
Public transit	0.0%
Walk	0.0%
Work from home	6.0%
Other means	0.0%
Avg commute (minutes)	22.4

Poverty

All people 16.9%

Under 18 years 10.5%

18 and over 17.5%

Married-couple families 10.3%

Female-led households 0.0%

Income support

Source	% of households
Social Security	66.4%
Retirement income	45.4%
Supplemental Security	10.9%
Cash public assistance	0.0%
Food stamps / SNAP	12.6%

Health indicators

Condition	%
Obesity	36.8%
High blood pressure	38.3%
High cholesterol	37.4%
Diabetes	11.7%
Heart disease	8.0%
Stroke	3.6%
Asthma	10.0%
Arthritis	28.2%
Kidney disease	3.3%
Pulmonary disease	8.7%
Cancer	7.8%

Behavior / access	%
Smoking	19.6%
Binge drinking	16.6%
No physical activity	27.5%
Less than 7 hrs sleep	32.7%
Depression	20.5%
Fair or poor health	14.4%
Poor mental health	13.8%
Poor physical health	11.4%
No health insurance	10.6%
Visited doctor (checkup)	80.3%
Visited dentist	63.4%
Cholesterol screening	92.5%
Teeth loss	14.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	54	27.0%

Disability	%
Any disability	21.0%
Under 18	0.0%
18–64 years	36.3%
65 and over	11.9%

Health insurance coverage

Type	%
Private insurance	66.7%
Public insurance	69.4%
No insurance	0.5%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	219	100.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	211	96.3%
Born in same state	211	96.3%
Born in different state	172	78.5%
Foreign born	0	0.0%
Naturalized citizen	8	3.7%
Not a US citizen	4	50.0%

Ancestry

Ancestry	Count	%
French	25	11.4%
Italian	24	11%
German	7	3.2%

Ancestry	Count	%
Arab	4	1.8%
English	3	1.4%

Technology access

Metric	% of households
Computer access	54.3%
Internet access	91.6%

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

Frequently asked questions about ZIP code 12969

What city is ZIP code 12969 in?

ZIP code 12969 is primarily assigned to Owls Head, New York.

What county is ZIP code 12969 in?

ZIP code 12969 falls within Franklin County, New York.

Does ZIP code 12969 have an older population?

50% of residents in ZIP code 12969 are 65 or older, above the national average of ~17%.

Does ZIP code 12969 have a large retiree population?

66% of households in ZIP code 12969 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12969 have a large veteran population?

27% of civilians in ZIP code 12969 are veterans, above the national average of ~7%.

Is ZIP code 12969 mostly owner-occupied?

86% of occupied units in ZIP code 12969 are owner-occupied, well above the national average.

What timezone is ZIP code 12969 in?

ZIP code 12969 observes the EST timezone.