ZIP Code 12983 — Saranac Lake village, NY Demographics & Data

ZIP code 12983 covers Saranac Lake, NY in Franklin County with a population of about 7,410.

At a glance, the area shows median age of 44.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the BURLINGTON - PLATTSBURGH media market.

Saranac Lake, NY sits in a university / college context (near north country community college (1.5 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 12983 is about $64,604 — about 14% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.3%; unemployment rate near 2.8%; 42.6% of adults with a bachelor’s degree or higher (about 8.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 6.9% of workers reporting work-from-home (about 8.3 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 $207,800 — about 40% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $731 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 57.0% (about 8.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12983 in Saranac Lake, NY, a household would need roughly $57,000 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 $1,335. That sits below the local median household income ($64,604), 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 Saranac Lake village, NY as Relatively Low (composite score 48.9), which is near the middle of the national distribution. The strongest component scores on US5 are flood (67.1) and hurricane (57.7). 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 Saranac Lake village, NY show little to no average snow.

IRS migration statistics show a net inflow of about 320 for ZIP 12983 (Saranac Lake village, 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.