Zip lookup ·
NY
12976
12976
Rainbow Lake, New York.
Rainbow Lake, Franklin County, NY · Malone, NY metro · population 137
What it costs per month · 12976
$2,262/mo
to buy the typical home at today's mortgage rate — +$1,272 (+128%) since Jan 2020.
What the home itself did
- 1 year
- Up $21,564 +5%
- $409,458$431,022 since Sep 2025
- 5 years
- Up $104,199 +32%
- $326,823$431,022 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.
- 12976$2,262
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in zip 12976 rose 5.3% over the past year — faster than the nation's +1.2%.
Typical home value
$431,022
as of Sep 2026
+5.3%year on year
Typical home value — 12976
Mid-tier homes, smoothed and seasonally adjusted.
- 12976$431,022
- 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 |
|---|---|---|---|---|---|
| 7.3 | 12989 | Vermontville | 1,110 | — | $255,786 |
| 7.3 | 12970 | Paul Smiths | 1,084 | — | $330,693 |
| 10.8 | 12913 | Bloomingdale | 989 | — | $260,860 |
| 11.4 | 12983 | Saranac Lake | 7,296 | — | $348,520 |
| 11.9 | 12945 | Lake Clear | 391 | — | $311,931 |
| 15.5 | 12969 | Owls Head | 279 | — | $163,551 |
| 15.7 | 12980 | Saint Regis Falls | 1,075 | — | $97,821 |
| 16.6 | 12953 | Malone | 12,893 | — | $147,060 |
| 19.7 | 12981 | Saranac | 2,259 | — | $196,861 |
| 20.0 | 12997 | Wilmington | 1,251 | — | $429,638 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.