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Rainbow Lake 12976

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.New York
$47K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
11
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$194K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20172018201920212022202420252026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20172018201920212022202420252026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20172018201920212022202420252026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20172018201920212022202420252026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20172018201920212022202420252026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20172018201920212022202420252026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20172018201920212022202420252026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20172018201920212022202420252026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20172018201920212022202420252026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20172018201920212022202420252026

Housing Stock

HomesHow many homes we have records for in this area.277
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$194K
Median sizeThe middle home size here, measured in square feet.1,404 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1978
Single familyThe share of homes here that are single-family houses.60%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.76%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.8%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.22%
Company ownedThe share of homes owned by a company or trust instead of a person.17%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.23.1 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.147
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.155

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.46%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.560
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.14 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$71K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88K
Average tempThe average temperature here across a full year.41°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Rainbow Lake 12976 compares

By median home value, Rainbow Lake 12976 is the 1st most expensive of 18 ZIP codes in Franklin County, and its typical home is worth more than 78% of all homes in Franklin County.

Home values in Rainbow Lake 12976

Share of homes at each estimated value.

Median
$49K$1M
ZIP codes in Franklin County ranked by median home value
#Franklin CountyMedian valueHomes
1Rainbow Lake 12976$194K277
2Saranac Lake 12983$155K3,183
3Burke 12917$142K629
4Chateaugay 12920$139K1,346
5Paul Smiths 12970$138K226
6Tupper Lake 12986$124K2,996
7North Bangor 12966$124K1,299
8Malone 12953$121K4,496
9Constable 12926$118K936
10Dickinson Center 12930$114K423
11Brushton 12916$113K947
12Moira 12957$113K664
13Owls Head 12969$111K555
14Saint Regis Falls 12980$107K1,213
15Lake Clear 12945$102K273
16Fort Covington 12937$101K665
17Vermontville 12989$94K869
18Bombay 12914$73K382

About the Rainbow Lake 12976 market

What is the median home price in Rainbow Lake 12976, NY?

The median sale price in Rainbow Lake 12976, NY is $47,000 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Rainbow Lake 12976, NY each year?

11 homes sold in Rainbow Lake 12976, NY over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Rainbow Lake 12976, NY?

Rainbow Lake 12976, NY contains 277 residential properties, with a median of 1,404 square feet, 3 bedrooms, built around 1978. The median TopHap Estimate is $194K.

How does Rainbow Lake 12976, NY compare to the rest of Franklin County?

By median home value, Rainbow Lake 12976, NY is the 1st most expensive of 18 ZIP codes in Franklin County. Its typical home is worth more than 78% of all homes in Franklin County. Saranac Lake 12983 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Rainbow Lake 12976, NY?

22% of homes in Rainbow Lake 12976, NY are owner-occupied. 17% are held by a company rather than an individual.

How much equity do owners in Rainbow Lake 12976, NY hold?

76% of mortgaged homes in Rainbow Lake 12976, NY are equity-rich, meaning the loan balance is under half the home's value. 0.8% owe more than the home is worth.

Nearby markets

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Explore Rainbow Lake 12976 on the map

See every recorded sale, price heat map, school zone and flood overlay across Rainbow Lake 12976 in TopHap’s interactive 3D map.

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