12783 ZIP Code — Swan Lake, NY

Sullivan County, New York

ZIP code 12783 is located in Swan Lake, New York, within Sullivan County. It covers approximately 31.73 square miles and serves a population of 1,409 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12783

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $187,800. Owner-occupancy is high at 77%, well above the national average.

Median household income is $78,125. Poverty affects 19% of residents, above the national average. 54% 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 29 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Notable community characteristics include disability rates above the national average at 26%.

Overall, ZIP code 12783 reflects a community defined by economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

1,409

population

31.73

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12783 ZIP code map

Cities in ZIP code 12783

Below are the cities the US Postal Service accepts for ZIP code 12783. Using any city not on this list may result in mail delivery delays.

City	Status
Swan Lake	Preferred

Nearby ZIP codes

12791 Youngsville (4.2 mi) 12787 White Sulphur Springs (4.2 mi) 12748 Jeffersonville (4.4 mi) 12762 Mongaup Valley (4.8 mi) 12734 Ferndale (4.9 mi) 12786 White Lake (5.6 mi) 12754 Liberty (6.3 mi) 12750 Kenoza Lake (6.3 mi) 12720 Bethel (6.4 mi) 12742 Harris (6.6 mi) 12726 Cochecton (7.5 mi) 12727 Cochecton (7.6 mi)

Demographics updated 05/2026

Population
Total population	1,409
Population density	44 / sq mi
State FIPS	36
County FIPS	105

Geography
Land area	31.73 sq mi
Water area	1.10 sq mi
Latitude	41.7426
Longitude	-74.8448
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	44.5%	43.2%	37.0%
$50k – $100k	27.3%	29.3%	27.0%
$100k – $200k	22.8%	22.4%	24.4%
Over $200k	5.4%	5.2%	11.5%

Demographics & statistics

1,409

Population

People per sq mi

45.5

Median age

$78,125

Median household income

$39,058

Per capita income

$187,800

Median home value

$1,161

Median monthly rent

77.2%

Home ownership

19.1%

Poverty rate

0.7%

Unemployment

1,259

Housing units

23.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

100

35–44

119

45–54

55–59

60–64

111

65–74

131

75–84

101

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	270	19.2%
18 and over	1,139	80.8%
65 and over	461	32.7%
Median age	45.5 years

Race & ethnicity

White 83.1%

Black or African American 7.4%

Hispanic or Latino 4.5%

Other race 3.1%

Two or more races 1.9%

Group	Count	%
White	1,226	83.1%
Black or African American	109	7.4%
Hispanic or Latino	67	4.5%
Other race	46	3.1%
Two or more races	28	1.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.5%	43.2%	37.0%
$50k – $100k	27.3%	29.3%	27.0%
$100k – $200k	22.8%	22.4%	24.4%
Over $200k	5.4%	5.2%	11.5%

Under $10k 10.3%

$10k–$15k 0.9%

$15k–$25k 13.8%

$25k–$35k 3.6%

$35k–$50k 9.7%

$50k–$75k 11.3%

$75k–$100k 9.1%

$100k–$150k 29.0%

$150k–$200k 5.6%

$200k+ 6.7%

Range	% of households
Under $10k	10.3%
$10k–$15k	0.9%
$15k–$25k	13.8%
$25k–$35k	3.6%
$35k–$50k	9.7%
$50k–$75k	11.3%
$75k–$100k	9.1%
$100k–$150k	29.0%
$150k–$200k	5.6%
$200k+	6.7%
Median income	$78,125

Housing

Home values

Under $50k 6.9%

$50k–$100k 12.0%

$100k–$150k 8.1%

$150k–$200k 36.3%

$200k–$300k 14.8%

$300k–$500k 5.5%

$500k–$1M 8.7%

$1M+ 7.7%

Housing overview

Metric	Value
Median home value	$187,800
Median rent / month	$1,161
Owner occupied	77.2%
Renter occupied	22.8%
Vacant	54.5%
Single-family detached	80.6%
Large apartment buildings	0.0%
Mobile homes	8.4%
Median rooms	5.4
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	0.0%
2010–2019	8.1%
2000–2009	9.5%
1990–1999	7.2%
1980–1989	34.4%
1970–1979	10.5%
1960–1969	7.8%
1950–1959	7.7%
1940–1949	4.8%
1939 or earlier	10.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	9.0%
2 bedrooms	25.4%
3 bedrooms	48.3%
4 bedrooms	12.2%
5+ bedrooms	5.2%

Vehicles per household

Vehicles	% of households
No vehicle	16.9%
1 vehicle	38.3%
2 vehicles	21.1%
3 or more	23.6%

Heating fuel

Fuel type	%
Utility gas	7.7%
Electricity	15.0%
Propane / LP gas	34.4%
Fuel oil	29.3%
Wood	12.4%

Households & families

Household type	Count	%
Married-couple family	233	36.5%
Cohabiting couple	61	9.5%
Male householder, no spouse	104	16.3%
Female householder, no spouse	241	37.7%
Households with children under 18	177	27.7%
Households with seniors (65+)	339	53.1%
Average household size	2.03

Marital status

Status	Male	Female
Never married	47.0%	33.3%
Married	39.8%	36.3%
Separated	1.7%	5.6%
Widowed	0.0%	16.6%
Divorced	11.5%	8.2%

Education

Less than 9th grade 11.2%

Some HS, no diploma 4.9%

HS graduate 31.3%

Some college, no degree 23.0%

Associate's degree 6.6%

Bachelor's degree 14.0%

Graduate / professional 9.0%

Metric	%
HS diploma or higher	83.9%
Bachelor's or higher	23.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	34	13.8%
Kindergarten	18	7.3%
Elementary school	103	41.9%
High school	54	22.0%
College / grad school	37	15.0%

Employment

Industry of employment

Education & healthcare 41.2%

Retail trade 12.8%

Arts, food & hospitality 8.8%

Manufacturing 7.1%

Transportation & utilities 7.0%

Professional & management 7.0%

Finance & real estate 5.8%

Information 5.1%

Agriculture & mining 2.9%

Construction 1.4%

Public administration 1.0%

Occupation

Category	%
Management, business & arts	39.3%
Service	15.8%
Sales & office	32.7%
Natural resources & construction	3.6%
Production & transportation	8.7%

Employment type

Type	%
Private sector	73.0%
Government	24.5%
Self-employed	2.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.9%
Carpool	2.4%
Public transit	0.0%
Walk	4.1%
Work from home	8.7%
Other means	0.0%
Avg commute (minutes)	29.4

Poverty

All people 19.1%

Under 18 years 34.4%

18 and over 15.4%

Married-couple families 0.0%

Female-led households 50.0%

Income support

Source	% of households
Social Security	53.5%
Retirement income	32.7%
Supplemental Security	3.9%
Cash public assistance	1.9%
Food stamps / SNAP	8.6%

Health indicators

Condition	%
Obesity	32.2%
High blood pressure	31.7%
High cholesterol	32.5%
Diabetes	9.7%
Heart disease	6.5%
Stroke	3.0%
Asthma	9.7%
Arthritis	23.7%
Kidney disease	2.9%
Pulmonary disease	6.7%
Cancer	6.7%

Behavior / access	%
Smoking	17.6%
Binge drinking	18.3%
No physical activity	24.5%
Less than 7 hrs sleep	35.1%
Depression	19.8%
Fair or poor health	13.0%
Poor mental health	13.5%
Poor physical health	9.8%
No health insurance	13.7%
Visited doctor (checkup)	75.6%
Visited dentist	63.1%
Cholesterol screening	90.4%
Teeth loss	13.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	73	6.4%

Disability	%
Any disability	25.8%
Under 18	8.9%
18–64 years	18.4%
65 and over	46.4%

Health insurance coverage

Type	%
Private insurance	61.0%
Public insurance	54.5%
No insurance	5.1%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,330	94.4%
Spanish	88	6.6%
Other Indo-European	20	1.5%
Asian & Pacific Islander	68	5.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,185	84.1%
Born in same state	1,177	83.5%
Born in different state	922	65.4%
Foreign born	8	0.6%
Naturalized citizen	224	15.9%
Not a US citizen	197	87.9%

Ancestry

Ancestry	Count	%
Italian	138	9.8%
French	21	1.5%

Ancestry	Count	%
Arab	20	1.4%
English	10	0.7%

Technology access

Metric	% of households
Computer access	45.4%
Internet access	91.5%

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

Frequently asked questions about ZIP code 12783

What city is ZIP code 12783 in?

ZIP code 12783 is primarily assigned to Swan Lake, New York.

What county is ZIP code 12783 in?

ZIP code 12783 falls within Sullivan County, New York.

Does ZIP code 12783 have an older population?

33% of residents in ZIP code 12783 are 65 or older, above the national average of ~17%.

Does ZIP code 12783 have a large retiree population?

54% of households in ZIP code 12783 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 12783?

19% of residents in ZIP code 12783 live below the poverty line, above the national average.

What is the typical home value in ZIP code 12783?

The median home value in ZIP code 12783 is $187,800.

What timezone is ZIP code 12783 in?

ZIP code 12783 observes the EST timezone.