12786, White Lake, NY

The 12786 zip code of White Lake, NY has a median home value of $169,000 and a median home equity value of $118,000. This is significantly higher than the statewide median home value of $146,500 and the national median home equity value of $141,700. The 12786 zip code also has a significantly higher than average percentage of homes with a mortgage at 73%. This indicates that homeowners in this zip code are more likely to have access to funds to help them pay their mortgage.

The 12786 zip code also has a significantly lower than average percentage of homes without a mortgage at 5%. This indicates that there are more homeowners in this zip code who are able to afford to borrow money against their home equity. In addition, the 12786 zip code has a significantly lower than average percentage of homes with an interest rate above 8%. This indicates that there are more homeowners in this zip code who are able to afford to keep their interest rates low on their mortgages.

Overall, it can be seen that homeowners in the 12786 zip code have significant access to funds which they can use to help them pay their mortgages and stay current on their payments. Additionally, it can be seen that there is a wide range of interest rates available for borrowers in this area which allows for many different options for those looking into purchasing or refinancing a home here.