ZIP Code Market Report
12786 — White Lake, NY
Data through February 2026 · Updated monthly
Avg Home Value
$277,762
▲ 3.2% year-over-year
Month-over-Month
-0.3%
▼ 0.3%
Single Family
$274,813
Condo / Co-op
--
The average home value in the 12786 ZIP code (White Lake, NEW-YORK) is $277,762 as of February 2026. Home prices are rising, up 3.2% compared to last year.
The market in 12786 has a $389,816 spread between bottom-tier homes at $171,391 and top-tier homes at $561,207. Bottom-tier properties represent the primary opportunity range for real estate investors using the 70% rule, fix-and-flip, or BRRRR strategies.
This report is part of the Sullivan County market area in NEW-YORK. For a broader view of the housing market including rent data, market activity, and affordability analysis, see the full Sullivan County report.
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Market Snapshot
12786 Housing Market at a Glance
Key metrics for the last 3 months with trend direction.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $280,572 | $278,685 | $277,762 | ▼ 1.0% |
| Single Family Value | $272,052 | $273,512 | $274,813 | ▲ 1.0% |
Home Values
12786 Home Value Trend
Historical home values for ZIP code 12786. Switch between All Homes, Single Family, Bottom Tier, and Top Tier.
Source: Zillow Research ZHVI / ZORI · Updated monthly
Property Types
Home Values by Property Type in 12786
How different property types compare in this ZIP code.
All Homes
$277,762
Single Family
$274,813
Bottom Tier
$171,391
Top Tier
$561,207
Data Sources and Methodology
Home value data for ZIP code 12786 comes from the Zillow Home Value Index (ZHVI), updated monthly. ZHVI measures the typical home value using Zillow's automated valuation model, smoothed and seasonally adjusted.
This report was last updated February 2026. Data is refreshed on the 17th of each month.
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