ZIP code 12786: White Lake, NY
12786 is a ZIP code in White Lake, New York, mainly in Sullivan County, part of the Monticello, NY micro area. About 610 people live here.
- Population
- 610
- Median household income
- —
- Typical home value
- $301,700+4.1% in 12 months
- Median rent
- —gross, per month
- Median age
- 56.5
- Homeowners
- 66.5%of occupied homes
Shaded: ZIP code 12786's area. Click anywhere on the map to see which ZIP code it's in.
ZIP codes within 10 milesWithin 25 miles
ZIP code 12786 details
| City | White Lake |
|---|---|
| State | New York |
| County | Sullivan County |
| Metro area | Monticello, NY |
| Time zone | Eastern Time (UTC−5), observes daylight saving time |
| Type | Standard (delivery area) |
| Land area | 17.2 sq mi, plus 2.8 sq mi of water |
| Population density | 36 people per sq mi |
| Bachelor's degree or higher | 35.5% of adults 25+ |
| Average commute | 30.1 minutes |
| Center coordinates | 41.63871, -74.85761 |
ZIP codes near 12786
| ZIP code | City | Distance | Population |
|---|---|---|---|
| 12720 | Bethel, NY | 2.3 mi | 447 |
| 12778 | Smallwood, NY | 2.7 mi | 707 |
| 12762 | Mongaup Valley, NY | 3.7 mi | 394 |
| 12749 | Kauneonga Lake, NY | 4.1 mi | 419 |
| 12732 | Eldred, NY | 5.9 mi | 776 |
| 12727 | Cochecton Center, NY | 6.6 mi | — |
| 12726 | Cochecton, NY | 6.8 mi | 1,168 |
| 12783 | Swan Lake, NY | 7.0 mi | 1,060 |
Population and median household income: ACS 2020–2024 5-year estimates. Typical home value: Zillow Home Value Index (September 2026) where available, otherwise the ACS median owner-reported value. "PO Box" marks ZIP codes with no delivery area of their own. Methodology
Buying a home in 12786?
A typical home in ZIP code 12786 is worth about $301,700 (Zillow Home Value Index). See what buying here would cost per month, with New York average taxes and insurance filled in.
About ZIP code 12786
What city is ZIP code 12786?
ZIP code 12786 is in White Lake, NY, in Sullivan County.
What county is ZIP code 12786 in?
12786 is mainly in Sullivan County, New York.
What is the population of ZIP code 12786?
About 610 people live in ZIP code 12786, according to the American Community Survey 2020–2024 5-year estimates.
What time zone is ZIP code 12786 in?
12786 is in Eastern Time (UTC−5). It observes daylight saving time.