12976 ZIP Code — Rainbow Lake, NY
Franklin County, New York
ZIP code 12976 is located in Rainbow Lake, New York, within Franklin County. It covers approximately 27.88 square miles and serves a population of 175 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.
175
population
27.88
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
12976 ZIP code map
Cities in ZIP code 12976
Below are the cities the US Postal Service accepts for ZIP code 12976. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Rainbow Lake | Acceptable |
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 175 |
| Population density | 6 / sq mi |
| State FIPS | 36 |
| County FIPS | 033 |
| Geography | |
|---|---|
| Land area | 27.88 sq mi |
| Water area | 1.12 sq mi |
| Latitude | 44.4667 |
| Longitude | -74.1735 |
| 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 | 31.9% | 46.8% | 37.0% |
| $50k – $100k | 38.9% | 32.0% | 27.0% |
| $100k – $200k | 23.0% | 17.5% | 24.4% |
| Over $200k | 6.2% | 3.8% | 11.5% |
Demographics & statistics
175
Population
6
People per sq mi
61.4
Median age
$68,672
Median household income
$50,907
Per capita income
$343,800
Median home value
$0
Median monthly rent
85.9%
Home ownership
4.6%
Poverty rate
5.6%
Unemployment
226
Housing units
62.5%
Bachelor's or higher
Age distribution
Male
Female
3
Under 5
3
3
5–9
3
5
20–24
6
5
25–34
7
9
45–54
11
3
55–59
4
18
60–64
23
21
65–74
26
6
75–84
8
5
85+
6
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 12 | 6.9% |
| 18 and over | 163 | 93.1% |
| 65 and over | 72 | 41.1% |
| Median age | 61.4 years | |
Race & ethnicity
White
96%
Two or more races
1.7%
Hispanic or Latino
1.1%
Other race
1.1%
| Group | Count | % |
|---|---|---|
| White | 170 | 96% |
| Two or more races | 3 | 1.7% |
| Hispanic or Latino | 2 | 1.1% |
| Other race | 2 | 1.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 31.9% | 46.8% | 37.0% |
| $50k – $100k | 38.9% | 32.0% | 27.0% |
| $100k – $200k | 23.0% | 17.5% | 24.4% |
| Over $200k | 6.2% | 3.8% | 11.5% |
Under $10k
8.1%
$15k–$25k
8.1%
$35k–$50k
18.2%
$50k–$75k
24.2%
$75k–$100k
14.1%
$100k–$150k
11.1%
$150k–$200k
4.0%
$200k+
12.1%
| Range | % of households |
|---|---|
| Under $10k | 8.1% |
| $15k–$25k | 8.1% |
| $35k–$50k | 18.2% |
| $50k–$75k | 24.2% |
| $75k–$100k | 14.1% |
| $100k–$150k | 11.1% |
| $150k–$200k | 4.0% |
| $200k+ | 12.1% |
| Median income | $68,672 |
Housing
Home values
$50k–$100k
12.9%
$100k–$150k
11.8%
$150k–$200k
2.4%
$200k–$300k
18.8%
$300k–$500k
21.2%
$500k–$1M
21.2%
$1M+
11.8%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $343,800 |
| Median rent / month | $0 |
| Owner occupied | 85.9% |
| Renter occupied | 14.1% |
| Vacant | 58.8% |
| Single-family detached | 99.2% |
| Large apartment buildings | 0.0% |
| Mobile homes | 0.0% |
| Median rooms | 5.7 |
| Avg household size (owned) | 1.89 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 1.3% |
| 2000–2009 | 12.9% |
| 1990–1999 | 5.8% |
| 1980–1989 | 20.8% |
| 1970–1979 | 10.4% |
| 1960–1969 | 9.6% |
| 1950–1959 | 6.7% |
| 1940–1949 | 4.6% |
| 1939 or earlier | 27.9% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.0% |
| 1 bedroom | 7.9% |
| 2 bedrooms | 22.1% |
| 3 bedrooms | 45.0% |
| 4 bedrooms | 24.2% |
| 5+ bedrooms | 0.8% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 0.0% |
| 1 vehicle | 37.4% |
| 2 vehicles | 38.4% |
| 3 or more | 24.2% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 2.0% |
| Propane / LP gas | 28.3% |
| Fuel oil | 52.5% |
| Wood | 17.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 35 | 35.4% |
| Cohabiting couple | 2 | 2.0% |
| Male householder, no spouse | 18 | 18.2% |
| Female householder, no spouse | 44 | 44.4% |
| Households with children under 18 | 5 | 5.1% |
| Households with seniors (65+) | 51 | 51.5% |
| Average household size | 1.77 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 18.3% | 12.0% |
| Married | 62.0% | 50.0% |
| Separated | 0.0% | 0.0% |
| Widowed | 12.7% | 20.7% |
| Divorced | 7.0% | 17.4% |
Education
Less than 9th grade
0.0%
Some HS, no diploma
2.6%
HS graduate
23.7%
Some college, no degree
8.6%
Associate's degree
2.6%
Bachelor's degree
20.4%
Graduate / professional
42.1%
| Metric | % |
|---|---|
| HS diploma or higher | 97.4% |
| Bachelor's or higher | 62.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 0 | 0.0% |
| Kindergarten | 0 | 0.0% |
| Elementary school | 6 | 75.0% |
| High school | 0 | 0.0% |
| College / grad school | 2 | 25.0% |
Employment
Industry of employment
Education & healthcare
36.9%
Arts, food & hospitality
16.7%
Public administration
14.3%
Manufacturing
9.5%
Retail trade
6.0%
Construction
4.8%
Professional & management
4.8%
Other services
4.8%
Transportation & utilities
2.4%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 61.9% |
| Service | 3.6% |
| Sales & office | 10.7% |
| Natural resources & construction | 17.9% |
| Production & transportation | 6.0% |
Employment type
| Type | % |
|---|---|
| Private sector | 59.5% |
| Government | 38.1% |
| Self-employed | 2.4% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 91.5% |
| Carpool | 2.4% |
| Public transit | 0.0% |
| Walk | 0.0% |
| Work from home | 6.1% |
| Other means | 0.0% |
| Avg commute (minutes) | 28.2 |
Poverty
All people
4.6%
Under 18 years
0.0%
18 and over
4.9%
Married-couple families
0.0%
Female-led households
0.0%
Income support
| Source | % of households |
|---|---|
| Social Security | 38.4% |
| Retirement income | 37.4% |
| Supplemental Security | 10.1% |
| Cash public assistance | 0.0% |
| Food stamps / SNAP | 5.1% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 33.8% |
| High blood pressure | 32.6% |
| High cholesterol | 34.0% |
| Diabetes | 9.3% |
| Heart disease | 6.2% |
| Stroke | 2.8% |
| Asthma | 10.1% |
| Arthritis | 24.7% |
| Kidney disease | 2.8% |
| Pulmonary disease | 6.8% |
| Cancer | 7.2% |
| Behavior / access | % |
|---|---|
| Smoking | 15.8% |
| Binge drinking | 19.0% |
| No physical activity | 22.5% |
| Less than 7 hrs sleep | 31.4% |
| Depression | 21.0% |
| Fair or poor health | 11.1% |
| Poor mental health | 14.0% |
| Poor physical health | 9.4% |
| No health insurance | 8.8% |
| Visited doctor (checkup) | 79.1% |
| Visited dentist | 68.5% |
| Cholesterol screening | 91.1% |
| Teeth loss | 11.0% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 4 | 2.5% |
| Disability | % |
|---|---|
| Any disability | 21.7% |
| Under 18 | 0.0% |
| 18–64 years | 24.2% |
| 65 and over | 22.2% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 89.1% |
| Public insurance | 55.4% |
| No insurance | 1.7% |
| Uninsured under 19 | 25.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 169 | 96.6% |
| Spanish | 2 | 1.2% |
| Other Indo-European | 0 | 0.0% |
| Asian & Pacific Islander | 2 | 1.2% |
| Other languages | 0 | 0.0% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 171 | 97.7% |
| Born in same state | 171 | 97.7% |
| Born in different state | 120 | 68.6% |
| Foreign born | 0 | 0.0% |
| Naturalized citizen | 4 | 2.3% |
| Not a US citizen | 4 | 100.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 39 | 22.3% |
| Arab | 29 | 16.6% |
| Italian | 19 | 10.9% |
| Ancestry | Count | % |
|---|---|---|
| English | 6 | 3.4% |
| German | 5 | 2.9% |
| Dutch | 2 | 1.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 56.6% |
| Internet access | 85.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 12976
What city is ZIP code 12976 in?
ZIP code 12976 is primarily assigned to Rainbow Lake, New York.
What county is ZIP code 12976 in?
ZIP code 12976 falls within Franklin County, New York.
Does ZIP code 12976 have an older population?
41% of residents in ZIP code 12976 are 65 or older, above the national average of ~17%.
How educated is the population of ZIP code 12976?
63% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Is ZIP code 12976 mostly owner-occupied?
86% of occupied units in ZIP code 12976 are owner-occupied, well above the national average.
Does ZIP code 12976 have a large retiree population?
38% of households in ZIP code 12976 receive Social Security income, suggesting a significant retiree or disability population.
What timezone is ZIP code 12976 in?
ZIP code 12976 observes the EST timezone.