White Lake ZIP Codes — Sullivan County, NY

There is one unique ZIP code in White Lake, New York and it is 12786. Area code: 845.
1
ZIP codes
17.16
sq mi land
2.80
sq mi water
845
area code
White Lake, NY ZIP code map

About White Lake, NY

White Lake, NY, is a picturesque community nestled within Sullivan County, situated in the scenic region of the Catskills. Known for its natural beauty and tranquil atmosphere, this small town offers a serene escape from the hustle and bustle of everyday life. Whether you are drawn by the lake itself or the surrounding woodlands, White Lake presents a charming environment for both residents and visitors alike.

Location & geography

White Lake is geographically blessed, lying just east of the larger town of Bethel and approximately 22 miles northwest of Middletown, NY. The area spans a land area of 17.16 square miles and features a significant water area of 2.80 square miles, with White Lake being a central feature of its landscape. The terrain combines rolling hills with lush forested areas, making it an attractive destination for outdoor activities.

Community & economy

The community in White Lake is characterized by its tight-knit atmosphere, where residents often engage in local events and activities. While much of the local economy is driven by tourism, residents also find employment in various industries including retail and hospitality. Daily life here is slow-paced, promoting a strong sense of community and connection with nature.

Transportation

Transportation in White Lake is accessible, with state routes facilitating movement throughout the region. Major highways such as NY Route 17 run nearby, connecting residents to larger cities and attractions. The nearest airports include Sullivan County International Airport, which supports general aviation and is approximately 15 miles away.

History

White Lake was established during a time of increasing settlement in Sullivan County, reflecting the area's potential for tourism and recreation. The lake itself became a focal point for families seeking summer retreats, leading to the development of associated industries such as lodging and recreational services. Over the years, White Lake has preserved its character while adapting to the changing landscape of tourism and local economies.

Did you know?

One surprising fact about White Lake is that it is home to some of the oldest summer camps in the region, attracting children from diverse backgrounds over the decades. Additionally, the area's natural beauty has made it a popular choice for film and photography due to its scenic landscapes.

ZIP codes for White Lake, NY (1)
ZIP code City County Map
12786 White Lake Sullivan View map

Demographics & statistics

568
Population
65.9
Median age
$78,750
Median household income
$54,612
Per capita income
$158,900
Median home value
$0
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
5
10–14
6
25
15–19
36
3
20–24
4
6
25–34
9
13
45–54
18
38
55–59
55
15
60–64
22
91
65–74
128
38
75–84
55
0
85+
1
← Male
Female →

Age summary

GroupCount%
Under 187212.7%
18 and over49687.3%
65 and over31355.1%
Median age65.9 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%
GroupCount%
White43463.5%
Hispanic or Latino11516.8%
Other race8312.2%
Two or more races324.7%
Black or African American192.8%

Household income

$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–$50k30.3%
$50k–$75k12.8%
$75k–$100k13.9%
$100k–$150k17.9%
$150k–$200k13.1%
$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

MetricValue
Median home value$158,900
Median rent / month$0
Owner occupied100.0%
Renter occupied0.0%
Vacant68.7%
Single-family detached93.6%
Large apartment buildings0.0%
Mobile homes0.0%
Median rooms5.8
Avg household size (owned)2.00

Year built

Era%
2020 or later0.0%
2010–20195.4%
2000–200911.6%
1990–19995.9%
1980–19896.5%
1970–19793.3%
1960–19698.4%
1950–195917.7%
1940–194914.6%
1939 or earlier26.5%

Bedrooms

Size% of units
No bedroom (studio)5.4%
1 bedroom2.6%
2 bedrooms29.5%
3 bedrooms40.1%
4 bedrooms7.9%
5+ bedrooms14.6%

Vehicles per household

Vehicles% of households
No vehicle4.0%
1 vehicle29.9%
2 vehicles51.5%
3 or more14.6%

Heating fuel

Fuel type%
Utility gas5.5%
Electricity17.2%
Propane / LP gas20.1%
Fuel oil57.3%

Households & families

Household typeCount%
Married-couple family17062.0%
Cohabiting couple00.0%
Male householder, no spouse238.4%
Female householder, no spouse8129.6%
Households with children under 18248.8%
Households with seniors (65+)23585.8%
Average household size2.00

Marital status

StatusMaleFemale
Never married24.3%12.4%
Married66.0%62.4%
Separated0.0%0.0%
Widowed0.0%14.3%
Divorced9.8%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 higher89.8%
Bachelor's or higher44.2%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool00.0%
Kindergarten00.0%
Elementary school1113.9%
High school6886.1%
College / grad school00.0%

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 & arts52.3%
Service14.8%
Sales & office26.6%
Natural resources & construction6.3%
Production & transportation0.0%

Employment type

Type%
Private sector72.2%
Government27.8%
Self-employed0.0%
Unpaid family workers0.0%

Commute

Method%
Drive alone85.1%
Carpool0.0%
Public transit0.0%
Walk0.0%
Other means0.0%
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 Security63.5%
Retirement income33.9%
Supplemental Security0.0%
Cash public assistance0.0%
Food stamps / SNAP13.9%

Health indicators

Condition%
High blood pressure35.4%
High cholesterol36.7%
Heart disease7.6%
Stroke3.4%
Asthma9.9%
Arthritis28.6%
Kidney disease3.3%
Pulmonary disease7.9%
Cancer8.5%
Behavior / access%
Binge drinking15.3%
No physical activity24.7%
Less than 7 hrs sleep33.3%
Fair or poor health13.3%
Poor mental health12.7%
Poor physical health10.5%
No health insurance11.2%
Visited doctor (checkup)78.4%
Visited dentist66.4%
Cholesterol screening93.5%
Teeth loss12.6%

Veterans & disability

VeteransCount%
Civilian veterans408.1%
Disability%
Any disability15.8%
Under 180.0%
18–64 years10.9%
65 and over22.4%

Health insurance coverage

Type%
Private insurance90.7%
Public insurance59.0%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only568100.0%
Spanish10.2%
Other Indo-European10.2%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)568100.0%
Born in same state56799.8%
Born in different state40070.4%
Foreign born10.2%
Naturalized citizen00.0%
Not a US citizen00.0%

Ancestry

AncestryCount%
Italian11319.9%
French9717.1%
Arab6711.8%
AncestryCount%
English356.2%
Polish101.8%

Technology access

Metric% of households
Computer access48.2%
Internet access96.0%

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

Frequently asked questions
What ZIP codes does White Lake, NY have?
White Lake, NY has one ZIP code: 12786. Each ZIP code serves a distinct delivery area within the city and surrounding region.
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