ZIP Code 12786 — White Lake CDP, NY Demographics & Data

ZIP code 12786 covers White Lake, NY in Sullivan County with a population of about 553.

At a glance, the area shows median age of 65.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-19; the NEW YORK media market.

White Lake, NY fits a retirement-oriented profile (high share of residents 65+ (51.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 12786 is about $80,568 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.0%; unemployment rate near 0.0%; 41.8% of adults with a bachelor’s degree or higher (about 8.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Other services, and Education; about 13.0% of workers reporting work-from-home (about 2.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $167,000 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 90.0% (about 24.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12786 in White Lake, NY, a household would need roughly $46,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,073. That sits below the local median household income ($80,568), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for White Lake CDP, NY as Relatively Low (composite score 78.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.6) and hurricane (79.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for White Lake CDP, NY show little to no average snow and around 46.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 24 for ZIP 12786 (White Lake CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.