Swan Lake, NY population, income and ZIP codes

Swan Lake CDP is a very small community in New York, with 211 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1209 of 1,292 ranked by population — larger than 6% of them. The median age here is 62 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Swan Lake CDP earn a median of $61,176 a year, 22.1% below the national figure of $78,538 and 33% below the $91,806 median for the 847 New York cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 10.9% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Swan Lake CDP is valued at $184,400, 39.2% below the national figure and 42% below the $315,800 peer median, while median gross rent runs $1,427 a month, 1.5% above the national figure, or roughly $17,124 across a full year. A household on the local median income would put about 28% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 44.2% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 62 puts Swan Lake CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 211 residents, a handful of survey responses moves every median on this page. Compare Swan Lake CDP against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.