12778 ZIP Code — Smallwood, NY

Sullivan County, New York

ZIP code 12778 is located in Smallwood, New York, within Sullivan County. It covers approximately 1.72 square miles and serves a population of 402 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12778

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 $161,200. Owner-occupancy is high at 80%, well above the national average.

Median household income is $63,472. Poverty affects 38% of residents, above the national average. 58% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 23% of civilians, above the national average of 7%.

Overall, ZIP code 12778 reflects a community defined by economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

402

population

1.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12778 ZIP code map

Cities in ZIP code 12778

Below are the cities the US Postal Service accepts for ZIP code 12778. Using any city not on this list may result in mail delivery delays.

City	Status
Smallwood	Acceptable

Demographics updated 05/2026

Population
Total population	402
Population density	234 / sq mi
State FIPS	36
County FIPS	105

Geography
Land area	1.72 sq mi
Water area	0.11 sq mi
Latitude	41.6396
Longitude	-74.8112
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.6%	43.2%	37.0%
$50k – $100k	31.7%	29.3%	27.0%
$100k – $200k	19.2%	22.4%	24.4%
Over $200k	24.6%	5.2%	11.5%

Demographics & statistics

402

Population

234

People per sq mi

61.1

Median age

$63,472

Median household income

$35,269

Per capita income

$161,200

Median home value

Median monthly rent

79.5%

Home ownership

37.8%

Poverty rate

0.0%

Unemployment

1,009

Housing units

27.7%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

35–44

45–54

55–59

60–64

65–74

75–84

← Male

Female →

Age summary

Group	Count	%
Under 18	99	24.6%
18 and over	303	75.4%
65 and over	173	43.0%
Median age	61.1 years

Race & ethnicity

White 94.7%

Hispanic or Latino 2.7%

Other race 2.7%

Group	Count	%
White	391	94.7%
Hispanic or Latino	11	2.7%
Other race	11	2.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.6%	43.2%	37.0%
$50k – $100k	31.7%	29.3%	27.0%
$100k – $200k	19.2%	22.4%	24.4%
Over $200k	24.6%	5.2%	11.5%

Under $10k 20.5%

$10k–$15k 5.4%

$15k–$25k 12.2%

$50k–$75k 30.7%

$75k–$100k 19.0%

$100k–$150k 7.3%

$200k+ 4.9%

Range	% of households
Under $10k	20.5%
$10k–$15k	5.4%
$15k–$25k	12.2%
$50k–$75k	30.7%
$75k–$100k	19.0%
$100k–$150k	7.3%
$200k+	4.9%
Median income	$63,472

Housing

Home values

$50k–$100k 6.7%

$100k–$150k 24.5%

$150k–$200k 41.7%

$200k–$300k 27.0%

Housing overview

Metric	Value
Median home value	$161,200
Median rent / month	$0
Owner occupied	79.5%
Renter occupied	20.5%
Vacant	80.5%
Single-family detached	99.0%
Large apartment buildings	0.0%
Mobile homes	1.0%
Median rooms	6.3
Avg household size (owned)	1.60

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	0.0%
1990–1999	2.1%
1980–1989	6.5%
1970–1979	4.3%
1960–1969	11.4%
1950–1959	4.8%
1940–1949	38.0%
1939 or earlier	33.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	9.6%
2 bedrooms	21.2%
3 bedrooms	51.2%
4 bedrooms	6.6%
5+ bedrooms	11.4%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	76.6%
2 vehicles	18.5%
3 or more	4.9%

Heating fuel

Fuel type	%
Electricity	5.4%
Propane / LP gas	19.5%
Fuel oil	51.2%
Wood	23.9%

Households & families

Household type	Count	%
Married-couple family	63	30.7%
Cohabiting couple	0	0.0%
Male householder, no spouse	65	31.7%
Female householder, no spouse	77	37.6%
Households with children under 18	42	20.5%
Households with seniors (65+)	133	64.9%
Average household size	1.96

Marital status

Status	Male	Female
Never married	19.9%	0.0%
Married	45.5%	83.7%
Separated	0.0%	0.0%
Widowed	9.0%	6.1%
Divorced	25.6%	10.2%

Education

Less than 9th grade 7.3%

Some HS, no diploma 0.0%

HS graduate 44.2%

Some college, no degree 7.6%

Associate's degree 13.2%

Bachelor's degree 18.5%

Graduate / professional 9.2%

Metric	%
HS diploma or higher	92.7%
Bachelor's or higher	27.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	34	34.3%
Elementary school	65	65.7%
High school	0	0.0%
College / grad school	0	0.0%

Employment

Industry of employment

Construction 36.1%

Public administration 24.1%

Education & healthcare 22.9%

Professional & management 16.9%

Occupation

Category	%
Management, business & arts	39.8%
Service	24.1%
Sales & office	0.0%
Natural resources & construction	36.1%
Production & transportation	0.0%

Employment type

Type	%
Private sector	48.2%
Government	24.1%
Self-employed	27.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	100.0%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	0.0%
Other means	0.0%
Avg commute (minutes)	0.0

Poverty

All people 37.8%

Under 18 years 100.0%

18 and over 17.5%

Married-couple families 0.0%

Female-led households 73.7%

Income support

Source	% of households
Social Security	58.0%
Retirement income	52.7%
Supplemental Security	4.4%
Cash public assistance	0.0%
Food stamps / SNAP	6.8%

Health indicators

Condition	%
Obesity	30.1%
High blood pressure	34.3%
High cholesterol	35.9%
Diabetes	10.2%
Heart disease	7.2%
Stroke	3.2%
Asthma	9.7%
Arthritis	27.7%
Kidney disease	3.2%
Pulmonary disease	7.3%
Cancer	8.5%

Behavior / access	%
Smoking	15.2%
Binge drinking	15.5%
No physical activity	23.1%
Less than 7 hrs sleep	32.4%
Depression	20.0%
Fair or poor health	12.2%
Poor mental health	12.5%
Poor physical health	9.9%
No health insurance	10.1%
Visited doctor (checkup)	78.5%
Visited dentist	68.3%
Cholesterol screening	93.2%
Teeth loss	11.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	71	23.4%

Disability	%
Any disability	18.9%
Under 18	0.0%
18–64 years	0.0%
65 and over	43.9%

Health insurance coverage

Type	%
Private insurance	96.5%
Public insurance	43.0%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	402	100.0%
Spanish	68	16.9%
Other Indo-European	0	0.0%
Asian & Pacific Islander	68	16.9%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	283	70.4%
Born in same state	283	70.4%
Born in different state	272	67.7%
Foreign born	0	0.0%
Naturalized citizen	119	29.6%
Not a US citizen	81	68.1%

Ancestry

Ancestry	Count	%
Polish	54	13.4%
Irish	35	8.7%
Italian	31	7.7%

Ancestry	Count	%
French	10	2.5%
Arab	9	2.2%

Technology access

Metric	% of households
Computer access	51.0%
Internet access	100.0%

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

Frequently asked questions about ZIP code 12778

What city is ZIP code 12778 in?

ZIP code 12778 is primarily assigned to Smallwood, New York.

What county is ZIP code 12778 in?

ZIP code 12778 falls within Sullivan County, New York.

Does ZIP code 12778 have an older population?

43% of residents in ZIP code 12778 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 12778?

38% of residents in ZIP code 12778 live below the poverty line, above the national average.

Does ZIP code 12778 have a large retiree population?

58% of households in ZIP code 12778 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 12778 have a large veteran population?

23% of civilians in ZIP code 12778 are veterans, above the national average of ~7%.

What timezone is ZIP code 12778 in?

ZIP code 12778 observes the EST timezone.