12981
Saranac, New York.
Saranac, Clinton County, NY · Plattsburgh, NY metro · population 2,259
to buy the typical home at today's mortgage rate — +$542 (+110%) since Jan 2020.
- 1 year
- Up $9,433 +5%
- $187,428$196,861 since Sep 2025
- 5 years
- Up $42,070 +27%
- $154,790$196,861 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.
- 12981$1,033
- 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 12981 rose 5.0% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Clinton County, NY 95% · Franklin County, NY 5%
Zillow also publishes an index for the city itself: Saranac, NY — measured over the city limits, which is a different area from this zip.
Typical home value — 12981
Mid-tier homes, smoothed and seasonally adjusted.
- 12981$196,861
- Plattsburgh$230,427
- 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 |
|---|---|---|---|---|---|
| 2.2 | 12978 | Redford | 340 | — | $157,596 |
| 6.6 | 12985 | Schuyler Falls | 755 | — | $187,310 |
| 7.2 | 12952 | Lyon Mountain | 286 | — | $68,018 |
| 9.0 | 12929 | Dannemora | 2,684 | — | $165,484 |
| 9.2 | 12918 | Cadyville | 2,412 | — | $217,467 |
| 12.1 | 12912 | Au Sable Forks | 1,682 | — | $212,252 |
| 12.4 | 12989 | Vermontville | 1,110 | — | $255,786 |
| 12.9 | 12955 | Lyon Mountain | 503 | — | $210,627 |
| 13.1 | 12962 | Morrisonville | 5,654 | — | $266,184 |
| 13.3 | 12969 | Owls Head | 279 | — | $163,551 |
| 14.2 | 12972 | Peru | 6,895 | — | $281,891 |
| 15.6 | 12934 | Ellenburg Center | 1,120 | — | $172,077 |
| 16.1 | 12913 | Bloomingdale | 989 | — | $260,860 |
| 16.4 | 12935 | Ellenburg Depot | 1,180 | — | $203,191 |
| 17.1 | 12997 | Wilmington | 1,251 | — | $429,638 |
| 18.7 | 12910 | Altona | 1,890 | — | $147,448 |
| 18.7 | 12903 | Plattsburgh | 1,824 | — | $247,435 |
| 18.9 | 12901 | Plattsburgh | 31,447 | $1,254 | $254,022 |
| 19.7 | 12976 | Rainbow Lake | 137 | — | $431,022 |
| 19.7 | 12941 | Jay | 1,487 | — | $343,403 |
| 19.9 | 12987 | Upper Jay | 119 | — | $340,012 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.