{
  "zip": "12786",
  "type": "standard",
  "type_source": "inferred",
  "city": "White Lake",
  "other_place_names": [
    "Smallwood",
    "Kauneonga Lake"
  ],
  "state": "NY",
  "state_name": "New York",
  "county": {
    "fips": "36105",
    "name": "Sullivan County",
    "short_name": "Sullivan"
  },
  "counties": [
    {
      "county_fips": "36105",
      "name": "Sullivan County",
      "short_name": "Sullivan",
      "weight": 1,
      "basis": "land_area"
    }
  ],
  "location": {
    "lat": 41.63871,
    "lng": -74.857609,
    "source": "gazetteer_internal_point",
    "timezone": "America/New_York"
  },
  "is_zcta": true,
  "parent_zcta": null,
  "metro": {
    "cbsa_code": "33910",
    "name": "Monticello, NY",
    "type": "micro",
    "csa_code": "408",
    "csa_name": "New York-Newark, NY-NJ-CT-PA"
  },
  "demographics": {
    "population": 610,
    "households": 272,
    "housing_units": 805,
    "median_age": 56.5,
    "median_household_income": null,
    "median_home_value": 172800,
    "median_rent": null,
    "pct_bachelors_plus": 35.5,
    "mean_commute_min": 30.1,
    "density_per_sqmi": 35.6
  },
  "business": {
    "establishments": 27,
    "employees": 145,
    "annual_payroll_thousands": 4867
  },
  "tax": {
    "irs_returns": 320,
    "irs_agi_thousands": 29367
  },
  "area": {
    "land_sqmi": 17.157,
    "water_sqmi": 2.801
  },
  "nearest_zips": [
    {
      "zip": "12720",
      "miles": 2.3,
      "city": "Bethel",
      "state": "NY"
    },
    {
      "zip": "12778",
      "miles": 2.7,
      "city": "Smallwood",
      "state": "NY"
    },
    {
      "zip": "12762",
      "miles": 3.7,
      "city": "Mongaup Valley",
      "state": "NY"
    },
    {
      "zip": "12749",
      "miles": 4.1,
      "city": "Kauneonga Lake",
      "state": "NY"
    },
    {
      "zip": "12732",
      "miles": 5.9,
      "city": "Eldred",
      "state": "NY"
    },
    {
      "zip": "12727",
      "miles": 6.6,
      "city": "Cochecton Center",
      "state": "NY"
    },
    {
      "zip": "12726",
      "miles": 6.8,
      "city": "Cochecton",
      "state": "NY"
    },
    {
      "zip": "12783",
      "miles": 7,
      "city": "Swan Lake",
      "state": "NY"
    },
    {
      "zip": "12743",
      "miles": 7.2,
      "city": "Highland Lake",
      "state": "NY"
    },
    {
      "zip": "12752",
      "miles": 7.2,
      "city": "Lake Huntington",
      "state": "NY"
    }
  ],
  "release": "2026-10-12",
  "attribution": {
    "source": "zipcodes.pro",
    "url": "https://zipcodes.pro/zip/12786",
    "sources_url": "https://zipcodes.pro/sources",
    "license": "Facts derived from US public-domain data (Census, IRS) and GeoNames (CC BY 4.0). Attribution appreciated: zipcodes.pro",
    "note": "A null value means the source did not publish that figure for this ZIP code. It does not mean zero."
  }
}