12989 ZIP Code — Vermontville, NY

Franklin County, New York

ZIP code 12989 is located in Vermontville, New York, within Franklin County. It covers approximately 143.30 square miles and serves a population of 970 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518.

About ZIP code 12989

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 $205,700. Owner-occupancy is high at 95%, well above the national average.

Median household income is $84,226. 42% 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 26 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12989 reflects a community defined by high homeownership and a significant Social Security-dependent population.

970

population

143.30

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12989 ZIP code map

Cities in ZIP code 12989

Below are the cities the US Postal Service accepts for ZIP code 12989. Using any city not on this list may result in mail delivery delays.

City	Status
Vermontville	Acceptable
Vermontville	Preferred

Nearby ZIP codes

12970 Paul Smiths (8.1 mi) 12913 Bloomingdale (10.1 mi) 12945 Lake Clear (12.2 mi) 12969 Owls Head (13.1 mi) 12983 Saranac Lake (14.1 mi) 12952 Lyon Mountain (15.8 mi) 12953 Malone (16 mi) 12997 Wilmington (16.3 mi) 12978 Redford (16.4 mi) 12981 Saranac (16.5 mi) 12912 Au Sable Forks (17 mi) 12955 Lyon Mountain (19.4 mi)

Demographics updated 06/2026

Population
Total population	970
Population density	7 / sq mi
State FIPS	36
County FIPS	033

Geography
Land area	143.30 sq mi
Water area	3.15 sq mi
Latitude	44.5290
Longitude	-74.1088
Timezone	Eastern (ET)
Area code	518

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.2%	46.8%	37.0%
$50k – $100k	37.7%	32.0%	27.0%
$100k – $200k	25.5%	17.5%	24.4%
Over $200k	4.6%	3.8%	11.5%

Demographics & statistics

970

Population

People per sq mi

53.3

Median age

$84,226

Median household income

$42,258

Per capita income

$205,700

Median home value

Median monthly rent

95.2%

Home ownership

14.8%

Poverty rate

3.7%

Unemployment

877

Housing units

26.6%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	172	17.7%
18 and over	798	82.3%
65 and over	259	26.7%
Median age	53.3 years

Race & ethnicity

White 88%

Hispanic or Latino 5.2%

Other race 3.7%

Two or more races 2.2%

Asian 0.9%

Group	Count	%
White	900	88%
Hispanic or Latino	53	5.2%
Other race	38	3.7%
Two or more races	23	2.2%
Asian	9	0.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.2%	46.8%	37.0%
$50k – $100k	37.7%	32.0%	27.0%
$100k – $200k	25.5%	17.5%	24.4%
Over $200k	4.6%	3.8%	11.5%

Under $10k 1.1%

$10k–$15k 1.3%

$15k–$25k 7.4%

$25k–$35k 7.6%

$35k–$50k 10.2%

$50k–$75k 16.8%

$75k–$100k 18.3%

$100k–$150k 26.6%

$150k–$200k 5.4%

$200k+ 5.2%

Range	% of households
Under $10k	1.1%
$10k–$15k	1.3%
$15k–$25k	7.4%
$25k–$35k	7.6%
$35k–$50k	10.2%
$50k–$75k	16.8%
$75k–$100k	18.3%
$100k–$150k	26.6%
$150k–$200k	5.4%
$200k+	5.2%
Median income	$84,226

Housing

Home values

Under $50k 1.4%

$50k–$100k 18.8%

$100k–$150k 10.3%

$150k–$200k 17.6%

$200k–$300k 30.9%

$300k–$500k 13.5%

$500k–$1M 7.6%

Housing overview

Metric	Value
Median home value	$205,700
Median rent / month	$0
Owner occupied	95.2%
Renter occupied	4.8%
Vacant	48.9%
Single-family detached	91.4%
Large apartment buildings	0.0%
Mobile homes	8.6%
Median rooms	6.1
Avg household size (owned)	2.13

Year built

Era	%
2020 or later	0.0%
2010–2019	7.7%
2000–2009	7.1%
1990–1999	10.7%
1980–1989	11.6%
1970–1979	13.2%
1960–1969	8.8%
1950–1959	3.8%
1940–1949	6.7%
1939 or earlier	30.5%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	7.2%
2 bedrooms	25.0%
3 bedrooms	44.3%
4 bedrooms	16.9%
5+ bedrooms	3.6%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	31.2%
2 vehicles	53.4%
3 or more	11.3%

Heating fuel

Fuel type	%
Utility gas	3.3%
Electricity	3.9%
Propane / LP gas	11.8%
Fuel oil	57.7%
Wood	20.3%
Solar	0.9%

Households & families

Household type	Count	%
Married-couple family	267	58.2%
Cohabiting couple	52	11.3%
Male householder, no spouse	68	14.8%
Female householder, no spouse	72	15.7%
Households with children under 18	118	25.7%
Households with seniors (65+)	181	39.4%
Average household size	2.11

Marital status

Status	Male	Female
Never married	20.5%	6.6%
Married	63.0%	65.6%
Separated	1.6%	0.0%
Widowed	2.5%	14.9%
Divorced	12.4%	12.9%

Education

Less than 9th grade 1.6%

Some HS, no diploma 5.3%

HS graduate 26.9%

Some college, no degree 20.0%

Associate's degree 19.7%

Bachelor's degree 16.2%

Graduate / professional 10.4%

Metric	%
HS diploma or higher	93.1%
Bachelor's or higher	26.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	3	1.6%
Elementary school	106	54.9%
High school	50	25.9%
College / grad school	34	17.6%

Employment

Industry of employment

Education & healthcare 45.7%

Construction 8.6%

Retail trade 8.0%

Public administration 8.0%

Other services 6.8%

Professional & management 6.6%

Finance & real estate 6.4%

Arts, food & hospitality 5.6%

Manufacturing 3.8%

Agriculture & mining 0.6%

Occupation

Category	%
Management, business & arts	44.9%
Service	17.8%
Sales & office	21.2%
Natural resources & construction	8.0%
Production & transportation	8.2%

Employment type

Type	%
Private sector	76.0%
Government	19.2%
Self-employed	4.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	84.7%
Carpool	5.5%
Public transit	0.0%
Walk	5.0%
Work from home	4.8%
Other means	0.0%
Avg commute (minutes)	25.9

Poverty

All people 14.8%

Under 18 years 34.0%

18 and over 10.9%

Married-couple families 0.0%

Female-led households 74.6%

Income support

Source	% of households
Social Security	41.6%
Retirement income	35.5%
Supplemental Security	0.7%
Cash public assistance	0.0%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	34.9%
High blood pressure	34.7%
High cholesterol	35.6%
Diabetes	10.1%
Heart disease	6.7%
Stroke	3.0%
Asthma	10.1%
Arthritis	26.2%
Kidney disease	3.0%
Pulmonary disease	7.2%
Cancer	7.6%

Behavior / access	%
Smoking	16.3%
Binge drinking	18.1%
No physical activity	23.1%
Less than 7 hrs sleep	31.7%
Depression	20.8%
Fair or poor health	11.7%
Poor mental health	13.7%
Poor physical health	9.9%
No health insurance	8.6%
Visited doctor (checkup)	79.9%
Visited dentist	68.4%
Cholesterol screening	92.6%
Teeth loss	11.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	64	8.0%

Disability	%
Any disability	13.8%
Under 18	5.8%
18–64 years	12.1%
65 and over	22.8%

Health insurance coverage

Type	%
Private insurance	82.0%
Public insurance	35.9%
No insurance	0.5%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	942	97.1%
Spanish	3	0.3%
Other Indo-European	3	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	961	99.1%
Born in same state	958	98.8%
Born in different state	808	83.3%
Foreign born	3	0.3%
Naturalized citizen	9	0.9%
Not a US citizen	9	100.0%

Ancestry

Ancestry	Count	%
Italian	321	33.1%
French	194	20%
Arab	109	11.2%
German	48	4.9%

Ancestry	Count	%
Polish	35	3.6%
English	11	1.1%
Norwegian	5	0.5%
Irish	3	0.3%

Technology access

Metric	% of households
Computer access	47.3%
Internet access	89.3%

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

Frequently asked questions about ZIP code 12989

What city is ZIP code 12989 in?

ZIP code 12989 is primarily assigned to Vermontville, New York.

What county is ZIP code 12989 in?

ZIP code 12989 falls within Franklin County, New York.

Is ZIP code 12989 mostly owner-occupied?

95% of occupied units in ZIP code 12989 are owner-occupied, well above the national average.

Does ZIP code 12989 have an older population?

27% of residents in ZIP code 12989 are 65 or older, above the national average of ~17%.

Does ZIP code 12989 have a large retiree population?

42% of households in ZIP code 12989 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 12989?

ZIP code 12989 has an estimated population of 970 residents, with a density of 7 people per square mile.

What timezone is ZIP code 12989 in?

ZIP code 12989 observes the EST timezone.