12786 ZIP Code — White Lake, NY

Sullivan County, New York

ZIP code 12786 is located in White Lake, New York, within Sullivan County. It covers approximately 17.16 square miles and serves a population of 568 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 12786

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 $158,900.

The gap between median ($78,750) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 2% is below the national average. 64% 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. An above-average commute of 43 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 44% of residents holding a bachelor's degree or higher.

Overall, ZIP code 12786 reflects a community defined by high homeownership and a significant Social Security-dependent population.

568

population

17.16

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12786 ZIP code map

Cities in ZIP code 12786

Below are the cities the US Postal Service accepts for ZIP code 12786. Using any city not on this list may result in mail delivery delays.

City	Status
White Lake	Preferred

Nearby ZIP codes

12720 Bethel (2.5 mi) 12762 Mongaup Valley (3.8 mi) 12727 Cochecton (4.4 mi) 12783 Swan Lake (5.6 mi) 12701 Monticello (6 mi) 12726 Cochecton (6.5 mi) 12750 Kenoza Lake (7.2 mi) 12752 Lake Huntington (7.3 mi) 12734 Ferndale (7.3 mi) 12764 Narrowsburg (7.7 mi) 12732 Eldred (7.7 mi) 12742 Harris (7.9 mi)

Demographics updated 05/2026

Population
Total population	568
Population density	33 / sq mi
State FIPS	36
County FIPS	105

Geography
Land area	17.16 sq mi
Water area	2.80 sq mi
Latitude	41.6619
Longitude	-74.8553
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	26.1%	43.2%	37.0%
$50k – $100k	15.0%	29.3%	27.0%
$100k – $200k	55.1%	22.4%	24.4%
Over $200k	3.9%	5.2%	11.5%

Demographics & statistics

568

Population

People per sq mi

65.9

Median age

$78,750

Median household income

$54,612

Per capita income

$158,900

Median home value

Median monthly rent

100.0%

Home ownership

2.1%

Poverty rate

0.0%

Unemployment

876

Housing units

44.2%

Bachelor's or higher

Age distribution

Male Female

10–14

15–19

20–24

25–34

45–54

55–59

60–64

65–74

128

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	72	12.7%
18 and over	496	87.3%
65 and over	313	55.1%
Median age	65.9 years

Race & ethnicity

White 63.5%

Hispanic or Latino 16.8%

Other race 12.2%

Two or more races 4.7%

Black or African American 2.8%

Group	Count	%
White	434	63.5%
Hispanic or Latino	115	16.8%
Other race	83	12.2%
Two or more races	32	4.7%
Black or African American	19	2.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.1%	43.2%	37.0%
$50k – $100k	15.0%	29.3%	27.0%
$100k – $200k	55.1%	22.4%	24.4%
Over $200k	3.9%	5.2%	11.5%

$35k–$50k 30.3%

$50k–$75k 12.8%

$75k–$100k 13.9%

$100k–$150k 17.9%

$150k–$200k 13.1%

$200k+ 12.0%

Range	% of households
$35k–$50k	30.3%
$50k–$75k	12.8%
$75k–$100k	13.9%
$100k–$150k	17.9%
$150k–$200k	13.1%
$200k+	12.0%
Median income	$78,750

Housing

Home values

$50k–$100k 25.5%

$100k–$150k 12.8%

$150k–$200k 36.1%

$200k–$300k 3.3%

$300k–$500k 22.3%

Housing overview

Metric	Value
Median home value	$158,900
Median rent / month	$0
Owner occupied	100.0%
Renter occupied	0.0%
Vacant	68.7%
Single-family detached	93.6%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	5.8
Avg household size (owned)	2.00

Year built

Era	%
2020 or later	0.0%
2010–2019	5.4%
2000–2009	11.6%
1990–1999	5.9%
1980–1989	6.5%
1970–1979	3.3%
1960–1969	8.4%
1950–1959	17.7%
1940–1949	14.6%
1939 or earlier	26.5%

Bedrooms

Size	% of units
No bedroom (studio)	5.4%
1 bedroom	2.6%
2 bedrooms	29.5%
3 bedrooms	40.1%
4 bedrooms	7.9%
5+ bedrooms	14.6%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	29.9%
2 vehicles	51.5%
3 or more	14.6%

Heating fuel

Fuel type	%
Utility gas	5.5%
Electricity	17.2%
Propane / LP gas	20.1%
Fuel oil	57.3%

Households & families

Household type	Count	%
Married-couple family	170	62.0%
Cohabiting couple	0	0.0%
Male householder, no spouse	23	8.4%
Female householder, no spouse	81	29.6%
Households with children under 18	24	8.8%
Households with seniors (65+)	235	85.8%
Average household size	2.00

Marital status

Status	Male	Female
Never married	24.3%	12.4%
Married	66.0%	62.4%
Separated	0.0%	0.0%
Widowed	0.0%	14.3%
Divorced	9.8%	10.9%

Education

Less than 9th grade 9.8%

Some HS, no diploma 0.4%

HS graduate 12.3%

Some college, no degree 22.7%

Associate's degree 10.6%

Bachelor's degree 33.7%

Graduate / professional 10.4%

Metric	%
HS diploma or higher	89.8%
Bachelor's or higher	44.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	11	13.9%
High school	68	86.1%
College / grad school	0	0.0%

Employment

Industry of employment

Education & healthcare 35.0%

Other services 25.7%

Public administration 24.1%

Finance & real estate 7.2%

Manufacturing 4.2%

Retail trade 3.8%

Occupation

Category	%
Management, business & arts	52.3%
Service	14.8%
Sales & office	26.6%
Natural resources & construction	6.3%
Production & transportation	0.0%

Employment type

Type	%
Private sector	72.2%
Government	27.8%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.1%
Carpool	0.0%
Public transit	0.0%
Walk	0.0%
Work from home	14.9%
Other means	0.0%
Avg commute (minutes)	43.2

Poverty

All people 2.1%

Under 18 years 0.0%

18 and over 2.4%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	63.5%
Retirement income	33.9%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	13.9%

Health indicators

Condition	%
Obesity	31.4%
High blood pressure	35.4%
High cholesterol	36.7%
Diabetes	10.8%
Heart disease	7.6%
Stroke	3.4%
Asthma	9.9%
Arthritis	28.6%
Kidney disease	3.3%
Pulmonary disease	7.9%
Cancer	8.5%

Behavior / access	%
Smoking	16.7%
Binge drinking	15.3%
No physical activity	24.7%
Less than 7 hrs sleep	33.3%
Depression	20.4%
Fair or poor health	13.3%
Poor mental health	12.7%
Poor physical health	10.5%
No health insurance	11.2%
Visited doctor (checkup)	78.4%
Visited dentist	66.4%
Cholesterol screening	93.5%
Teeth loss	12.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	40	8.1%

Disability	%
Any disability	15.8%
Under 18	0.0%
18–64 years	10.9%
65 and over	22.4%

Health insurance coverage

Type	%
Private insurance	90.7%
Public insurance	59.0%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	568	100.0%
Spanish	1	0.2%
Other Indo-European	1	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	568	100.0%
Born in same state	567	99.8%
Born in different state	400	70.4%
Foreign born	1	0.2%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	113	19.9%
French	97	17.1%
Arab	67	11.8%

Ancestry	Count	%
English	35	6.2%
Polish	10	1.8%

Technology access

Metric	% of households
Computer access	48.2%
Internet access	96.0%

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

Frequently asked questions about ZIP code 12786

What city is ZIP code 12786 in?

ZIP code 12786 is primarily assigned to White Lake, New York.

What county is ZIP code 12786 in?

ZIP code 12786 falls within Sullivan County, New York.

Does ZIP code 12786 have an older population?

55% of residents in ZIP code 12786 are 65 or older, above the national average of ~17%.

Does ZIP code 12786 have a large retiree population?

64% of households in ZIP code 12786 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 12786?

The median home value in ZIP code 12786 is $158,900.

What is the population of ZIP code 12786?

ZIP code 12786 has an estimated population of 568 residents, with a density of 33 people per square mile.

What timezone is ZIP code 12786 in?

ZIP code 12786 observes the EST timezone.