Zip lookup ·
NY
12945
12945
Lake Clear, New York.
Lake Clear, Franklin County, NY · Malone, NY metro · population 391
What it costs per month · 12945
$1,637/mo
to buy the typical home at today's mortgage rate — +$911 (+126%) since Jan 2020.
What the home itself did
- 1 year
- Up $21,432 +7%
- $290,499$311,931 since Sep 2025
- 5 years
- Up $66,776 +27%
- $245,155$311,931 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 12945$1,637
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in zip 12945 rose 7.4% over the past year — faster than the nation's +1.2%.
Typical home value
$311,931
as of Sep 2026
+7.4%year on year
Typical home value — 12945
Mid-tier homes, smoothed and seasonally adjusted.
- 12945$311,931
- Malone$178,424
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 4.8 | 12983 | Saranac Lake | 7,296 | — | $348,520 |
| 9.2 | 12970 | Paul Smiths | 1,084 | — | $330,693 |
| 11.9 | 12976 | Rainbow Lake | 137 | — | $431,022 |
| 12.6 | 12986 | Tupper Lake | 5,326 | — | $218,644 |
| 12.7 | 12913 | Bloomingdale | 989 | — | $260,860 |
| 14.2 | 12946 | Lake Placid | 4,872 | — | $402,790 |
| 16.6 | 12989 | Vermontville | 1,110 | — | $255,786 |
| 17.6 | 12973 | Piercefield | 154 | — | $126,364 |
| 19.7 | 12997 | Wilmington | 1,251 | — | $429,638 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.