| City: | Vermontville, New York |
| City Alias: | Loon Lake, Onchiota |
| County: | Franklin County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 8:49:32 PM |
| Population: | 947 [See All] |
| Area Codes: | 518 / 838 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 44.5290, -74.1088 |
| Land Area: | 143.298 sq mi |
| Quick Link: |
ZIP Code 12989 has 947 residents and 411 households (average 2.30 persons per household). The median age is 52.9 years, significantly older than the state (39.0) and significantly older than the nation (38.8). The gender split is 51.3% male and 48.7% female, which is slightly higher than the state male share (48.4%), making this a male-majority area. Largest groups are White (94.7%, much higher than the state average of 55.2% and well above the national average of 61.6%) and Hispanic or Latino (1.6%); Hispanic or Latino residents make up 1.6%, which is much lower than the state average (19.5%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 947Source: Census DHC |
| 2024 ACS Population Estimate: | 1,110Source: Census ACS |
| 2026 ZC Population Estimate: | 1,106Source: ZIP-Codes.com |
| Population Density: | 6.6 people per sq mile |
| Average Income: | $84,464Source: Census ACS |
| Households: | 411Source: Census DHC |
| Average House Value: | $228,400Source: Census ACS |
| Persons Per Household: | 2.30Source: Census DHC |
| Average Family Size: | 2.91Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 1,222 | 1,174 | 1,069 | 957 | 923 | 953 | 945 | 1,024 | 998 | 1,114 | 879 | 970 | 1,012 | 1,110 |
| Decennial Census | 1,010 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 947 | -- | -- | -- | -- |
Median Age: 52.9
Male Median Age: 52.9
Female Median Age: 52.8
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 19 | 23 | 25 | 32 | 10 | 18 | 23 | 26 | 23 | 26 | 37 | 44 | 44 | 56 | 45 | 23 | 7 | 5 |
| Female | 12 | 26 | 31 | 9 | 14 | 24 | 23 | 22 | 21 | 25 | 30 | 49 | 56 | 46 | 28 | 22 | 10 | 13 |
| Total | 31 | 49 | 56 | 41 | 24 | 42 | 46 | 48 | 44 | 51 | 67 | 93 | 100 | 102 | 73 | 45 | 17 | 18 |
| White: | 897 | 97.18% |
| Black: | 3 | 0.33% |
| Hispanic:* | 15 | 1.63% |
| Asian: | 2 | 0.22% |
| American Indian: | 2 | 0.22% |
| Hawaiian: | 0 | 0% |
| Other: | 4 | 0.43% |
| Total: | 923 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 486 | 51.32% | 52.9 years |
| Females: | 461 | 48.68% | 52.8 years |
| Total: | 947 | 100% | 52.9 years |
| Native, born in the United States: | 1,086 | 97.84% |
| Native, born in PR, Island Areas, or abroad: | 10 | 0.90% |
| Foreign born, naturalized U.S. citizen: | 14 | 1.26% |
| Foreign born, not a U.S. citizen: | 0 | 1.26% |
| Total Population: | 1,110 | 100% |
| Total Native Population: | 1,096 | 98.74% |
| Total Foreign-born Population: | 14 | 1.26% |
In 2024, the Median household income is $84,464, which is above the national median ($80,734), is up $29,371 (53.3%) since 2011 and above its 2019 pre-pandemic level by $20,214. Family households earn a median of $73,906 versus $43,409 for nonfamily households (a difference of $30,497). By gender, male median income is $72,898 and female is $41,389, which is considerably lower than the national female median ($55,274), with a current gap of $31,509 that has widened from 2011 to 2024. The labor-force participation rate is 53.9%, which is markedly below the national rate (63.5%). The unemployment rate is 3.7%, which is lower than the national rate (5.2%). The largest occupation group is Management (36.9%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $55,093 | $56,667 | $55,417 | $62,870 | $62,656 | $65,592 | $66,167 | $69,479 | $64,250 | $67,917 | $79,896 | $84,226 | $78,438 | $84,464 |
| Median Family Income | $61,500 | $64,474 | $70,000 | $68,542 | $68,229 | $72,917 | $81,731 | $83,036 | $83,750 | $66,250 | $76,667 | $82,500 | $80,833 | $73,906 |
| Median NonFamily Income | $35,333 | $47,679 | $36,100 | $36,528 | $34,167 | $34,779 | $35,469 | $34,167 | $34,286 | $35,357 | $36,250 | $38,523 | $37,000 | $43,409 |
| Median Male Income | $38,594 | $37,500 | $37,875 | $41,625 | $40,833 | $40,893 | $48,472 | $55,750 | $56,182 | $56,759 | $64,375 | $72,650 | $67,218 | $72,898 |
| Median Female Income | $32,325 | $34,669 | $47,578 | $36,250 | $38,333 | $43,636 | $46,042 | $49,063 | $51,000 | $50,074 | $43,438 | $47,321 | $50,000 | $41,389 |
| Employed: | 490 | 51.91% |
| Unemployed: | 19 | 2.01% |
| Not In Labor Force: | 435 | 46.08% |
| Total: | 944 | 100% |
| Management, business, science, and arts: | 181 | 36.94% |
| Service: | 136 | 27.76% |
| Sales and Office: | 116 | 23.67% |
| Natural resources, construction, and maintenance: | 30 | 6.12% |
| Production, transportation, and material moving: | 27 | 5.51% |
| Total Civilian Employed Population: | 490 | 100% |
In 2024, the median home value is $228,400, which is considerably lower than the national median ($332,700), is up $89,300 (64.20%) since 2011 and above its 2019 pre-pandemic level by $39,200. The median gross rent is $675, which is far less than the national median ($1,413), is down $121 (15.20%) since 2011 and below its 2019 pre-pandemic level by $90. Of occupied housing, owners make up 89.42% (41.91% with a mortgage, 58.09% free-and-clear) and renters 10.58% - making this ZIP Code under national rental averages. The vacancy rate is 41.48%, which is considerably higher than the national rate (10.12%).
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $139,100 | $112,200 | $123,900 | $110,000 | $149,000 | $162,500 | $175,600 | $180,600 | $189,200 | $173,000 | $171,100 | $205,700 | $196,500 | $228,400 |
| Less than $500: | 0 | 0.00% |
| $500 to $999: | 28 | 49.12% |
| $1,000 to $1,499: | 20 | 35.09% |
| $1,500 to $1,999: | 0 | 0.00% |
| $2,000 to $2,499: | 0 | 0.00% |
| $2,500 to $2,999: | 0 | 0.00% |
| $3,000 or more: | 0 | 0.00% |
| No Rent: | 9 | 15.79% |
| Total: | 57 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $796 | $1,114 | $1,052 | $850 | $700 | $706 | $825 | $781 | $765 | $733 | $1,125 | $0 | $641 | $675 |
| Owner Occupied (with mortgage): | 202 | 37.48% |
| Owner Occupied (free and clear, no mortgage): | 280 | 51.95% |
| Renter Occupied: | 57 | 10.58% |
| Total Occupied Housing Units: | 539 | 100% |
| Occupied Housing Units: | 539 | 58.52% |
| Vacant Housing Units (not graphed): | 382 | 41.48% |
| Total Housing Units: | 921 | 100% |
| Single-Family Units: | 835 | 90.66% |
| Multi-Family Units: | 0 | 0.00% |
| Other Units: | 86 | 9.34% |
| Total Housing Units: | 921 | 100% |
In 2024, 31.80% of adults (25+) have a bachelor's degree or higher, which is comparable to the national rate (35.70%). High school or higher is 95.80%, which is far higher than the national rate (89.60%). The uninsured rate is 2.40%, which is far lower than the national rate (8.40%). Public coverage is 46.00%, which is well above the national rate (36.70%). The share of people in poverty is 16.50%, which is comparable to the national rate (8.80%), up 15.20 percentage points since 2011 and above its 2019 pre-pandemic level by 11.40 percentage points. This signals a sharp increase in hardship - a shrinking consumer base, heavy pressure on public services, and job-market contraction risks. Among residents ages 3+, the largest enrollment group is elementary (55.33%). College enrollment is 21.32%, which is comparable to the national rate (26.70%), meaning the community mirrors broader higher-education participation.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 0 | 0.00% |
| 9th to 12th grade, no diploma: | 35 | 4.22% |
| High school graduate (includes equivalency): | 221 | 26.63% |
| Some college, no degree: | 156 | 18.80% |
| Associate's degree: | 154 | 18.55% |
| Bachelor's degree: | 155 | 18.67% |
| Graduate or professional degree: | 109 | 13.13% |
| Total: | 830 | 100% |
| High school or higher: | 795 | 95.78% |
| Bachelor's degree or higher: | 264 | 31.81% |
| Private Insurance: | 808 | 60.03% |
| Public Insurance: | 511 | 37.96% |
| No Insurance: | 27 | 2.01% |
| Total: | 1,346 | 100% |
| Has Health Insurance: | 1,319 | 97.99% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 1.8% | 2.9% | 5.4% | 5.6% | 4.8% | 5.8% | 5.4% | 4.0% | 5.6% | 16.4% | 14.2% | 12.9% | 17.0% | 16.5% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 3 | 1.52% |
| Kindergarten: | 0 | 0.00% |
| Elementary school (grades 1-8): | 109 | 55.33% |
| High school (grades 9-12): | 43 | 21.83% |
| College or graduate school: | 42 | 21.32% |
| Total: | 197 | 100% |
| Early Childhood: | 3 | 1.52% |
| K-12 (Primary & Secondary School): | 152 | 77.16% |
ZIP Code 12989 supports both business and residential activity. According to the Business Census (2024), there are 8 business establishments, employing about 15 people with an annual payroll of $988,000. USPS data shows 481 residential mailboxes and 5 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 481Source: USPS |
| # Business Mailboxes: | 5Source: USPS |
| Total Delivery Receptacles: | 577Source: USPS |
| Single Family Delivery Units: | 388Source: USPS |
| Multi Family Delivery Units: | 0Source: USPS |
| # of Businesses: | 8Source: CBP |
| 1st Quarter Payroll: | $167,000Source: CBP |
| Annual Payroll: | $988,000Source: CBP |
| # of Employees: | 15Source: CBP |
ZIP Code 12989 is located in Franklin County, New York, within the Metropolitan Statistical Area (CBSA ) and New York's 21st Congressional District. This area has a population of 0 people, about 0.00% of whom live in ZIP Code 12989. It covers 143.298 sq mi of land and a water area of 3.15 sq mi.
| CBSA Name: | --Source: Census |
| CBSA Number: | --Source: Census |
| CBSA Type: | --Source: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 0Source: Census |
| MSA: | Source: Census |
| Land Area: | 143.298 sq miSource: Census |
| Water Area: | 3.15 sq miSource: Census |
| Congressional District: | 21Source: USPS |
| Congressional Land Area: | 15114.76 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | --Source: Census |
| Place Name: | --Source: Census |
We could not locate which school district 12989 belongs to, but we will update this once new district data is released. There are no public schools nor private schools with a mailing address in this ZIP Code. Listing Nearby schools instead. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on February 1, 2026.