ZIP Code 12846 — Lake Luzerne CDP, NY Demographics & Data

ZIP code 12846 covers Lake Luzerne, NY in Warren County with a population of about 3,007.

At a glance, the area shows median age of 50.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 12846 is about $47,449 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.9%; unemployment rate near 1.4%; 25.8% of adults with a bachelor’s degree or higher (about 7.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Healthcare; about 4.6% of workers reporting work-from-home (about 10.6 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 $197,400 — about 43% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $760 (about 35% below the U.S. median rent ($1,163)), and owner-occupancy near 81.4% (about 16.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12846 in Lake Luzerne, NY, a household would need roughly $54,000 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 $1,268. That is roughly in line with the local median household income ($47,449). 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 Lake Luzerne CDP, NY as Relatively Low (composite score 62.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (71.5) and hurricane (67.2). 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 Lake Luzerne CDP, NY show little to no average snow and around 46.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 130 for ZIP 12846 (Lake Luzerne 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.