12874 ZIP Code — Silver Bay, NY

Warren County, New York

ZIP code 12874 is located in Silver Bay, New York, within Warren County. It covers approximately 21.26 square miles and serves a population of 155 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

155

population

21.26

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12874 ZIP code map

Cities in ZIP code 12874

Below are the cities the US Postal Service accepts for ZIP code 12874. Using any city not on this list may result in mail delivery delays.

City	Status
Silver Bay	Acceptable
Silver Bay	Preferred

Nearby ZIP codes

12836 Hague (2 mi) 12819 Clemons (6.7 mi) 12814 Bolton Landing (7.2 mi) 12815 Brant Lake (7.9 mi) 12861 Putnam Station (7.9 mi) 12808 Adirondack (10.2 mi) 12883 Ticonderoga (11.3 mi) 12887 Whitehall (11.7 mi) 12824 Diamond Point (12.1 mi) 05743 Fair Haven (12.5 mi) 12860 Pottersville (13.6 mi) 12817 Chestertown (14.1 mi)

Demographics updated 05/2026

Population
Total population	155
Population density	7 / sq mi
State FIPS	36
County FIPS	113

Geography
Land area	21.26 sq mi
Water area	0.31 sq mi
Latitude	43.6919
Longitude	-73.5511
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	19.6%	38.2%	37.0%
$50k – $100k	18.6%	30.7%	27.0%
$100k – $200k	53.6%	25.1%	24.4%
Over $200k	8.2%	6.0%	11.5%

Demographics & statistics

155

Population

People per sq mi

62.8

Median age

Median household income

$53,092

Per capita income

$400,000

Median home value

Median monthly rent

75.9%

Home ownership

13.5%

Poverty rate

0.0%

Unemployment

332

Housing units

84.3%

Bachelor's or higher

Age distribution

Male Female

10–14

15–19

20–24

25–34

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	10	6.5%
18 and over	145	93.5%
65 and over	57	36.8%
Median age	62.8 years

Race & ethnicity

White 96.8%

Two or more races 3.2%

Group	Count	%
White	150	96.8%
Two or more races	5	3.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	19.6%	38.2%	37.0%
$50k – $100k	18.6%	30.7%	27.0%
$100k – $200k	53.6%	25.1%	24.4%
Over $200k	8.2%	6.0%	11.5%

Under $10k 3.4%

$15k–$25k 3.4%

$25k–$35k 10.3%

$35k–$50k 21.8%

$50k–$75k 14.9%

$100k–$150k 10.3%

$150k–$200k 31.0%

$200k+ 4.6%

Range	% of households
Under $10k	3.4%
$15k–$25k	3.4%
$25k–$35k	10.3%
$35k–$50k	21.8%
$50k–$75k	14.9%
$100k–$150k	10.3%
$150k–$200k	31.0%
$200k+	4.6%
Median income	$0

Housing

Home values

$100k–$150k 30.3%

$150k–$200k 7.6%

$300k–$500k 24.2%

$500k–$1M 15.2%

$1M+ 22.7%

Housing overview

Metric	Value
Median home value	$400,000
Median rent / month	$0
Owner occupied	75.9%
Renter occupied	24.1%
Vacant	75.4%
Single-family detached	92.4%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	5.8
Avg household size (owned)	1.79

Year built

Era	%
2020 or later	0.0%
2010–2019	2.3%
2000–2009	7.6%
1990–1999	5.9%
1980–1989	13.6%
1970–1979	9.3%
1960–1969	7.9%
1950–1959	9.6%
1940–1949	19.5%
1939 or earlier	24.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.1%
2 bedrooms	32.9%
3 bedrooms	31.2%
4 bedrooms	23.8%
5+ bedrooms	11.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	13.8%
2 vehicles	81.6%
3 or more	4.6%

Heating fuel

Fuel type	%
Electricity	6.9%
Propane / LP gas	80.5%
Fuel oil	10.3%
Wood	2.3%

Households & families

Household type	Count	%
Married-couple family	51	58.6%
Cohabiting couple	16	18.4%
Male householder, no spouse	9	10.3%
Female householder, no spouse	11	12.6%
Households with children under 18	5	5.7%
Households with seniors (65+)	40	46.0%
Average household size	1.78

Marital status

Status	Male	Female
Never married	22.5%	26.3%
Married	69.0%	59.2%
Separated	0.0%	0.0%
Widowed	4.2%	7.9%
Divorced	4.2%	6.6%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 1.7%

Some college, no degree 13.9%

Associate's degree 0.0%

Bachelor's degree 37.4%

Graduate / professional 47.0%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	84.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	5	19.2%
High school	5	19.2%
College / grad school	16	61.5%

Employment

Industry of employment

Arts, food & hospitality 50.9%

Retail trade 22.6%

Education & healthcare 9.4%

Finance & real estate 7.5%

Professional & management 5.7%

Public administration 3.8%

Occupation

Category	%
Management, business & arts	62.3%
Service	37.7%
Sales & office	0.0%
Natural resources & construction	0.0%
Production & transportation	0.0%

Employment type

Type	%
Private sector	58.5%
Government	3.8%
Self-employed	37.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	20.8%
Carpool	13.2%
Public transit	0.0%
Walk	56.6%
Work from home	9.4%
Other means	0.0%
Avg commute (minutes)	11.1

Poverty

All people 13.5%

Under 18 years 0.0%

18 and over 14.5%

Married-couple families 5.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	40.2%
Retirement income	54.0%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	28.6%
High blood pressure	46.8%
High cholesterol	42.8%
Diabetes	13.9%
Heart disease	11.6%
Stroke	4.8%
Asthma	9.5%
Arthritis	37.1%
Kidney disease	4.6%
Pulmonary disease	10.7%
Cancer	12.2%

Behavior / access	%
Smoking	13.6%
Binge drinking	11.2%
No physical activity	25.9%
Less than 7 hrs sleep	27.9%
Depression	18.8%
Fair or poor health	15.0%
Poor mental health	10.7%
Poor physical health	12.1%
No health insurance	8.0%
Visited doctor (checkup)	84.5%
Visited dentist	67.2%
Cholesterol screening	95.9%
Teeth loss	13.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	2	1.4%

Disability	%
Any disability	2.6%
Under 18	0.0%
18–64 years	2.3%
65 and over	3.5%

Health insurance coverage

Type	%
Private insurance	91.0%
Public insurance	38.1%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	155	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)	153	98.7%
Born in same state	153	98.7%
Born in different state	115	74.2%
Foreign born	0	0.0%
Naturalized citizen	2	1.3%
Not a US citizen	2	100.0%

Ancestry

Ancestry	Count	%
French	42	27.1%
Italian	15	9.7%
Arab	8	5.2%
Polish	5	3.2%

Ancestry	Count	%
German	2	1.3%
Norwegian	2	1.3%
Dutch	2	1.3%

Technology access

Metric	% of households
Computer access	56.1%
Internet access	96.6%

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

Frequently asked questions about ZIP code 12874

What city is ZIP code 12874 in?

ZIP code 12874 is primarily assigned to Silver Bay, New York.

What county is ZIP code 12874 in?

ZIP code 12874 falls within Warren County, New York.

How educated is the population of ZIP code 12874?

84% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 12874 have an older population?

37% of residents in ZIP code 12874 are 65 or older, above the national average of ~17%.

Does ZIP code 12874 have a large retiree population?

40% of households in ZIP code 12874 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12874?

The median home value in ZIP code 12874 is $400,000.

What timezone is ZIP code 12874 in?

ZIP code 12874 observes the EST timezone.