Population & age
- Total population
- 402
- Median age
- 61.1
Smallwood, NY (12778)
Sullivan County · Population 402
Fresh.Data current as of Apr 24, 2026
Smallwood, NY (ZIP 12778) sits in Sullivan County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 5.0%. No NCES schools are mapped to this ZIP in the current dataset. 3 colleges and universities serve the area, with median in-state tuition of $8,674. IRS data shows average household income (AGI) of $74,570, well above the ~$45K national average per return. The CDC SVI flags household composition (87th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 48th-percentile score. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Annual precipitation averages 53.1" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 4.7% of residents are low-access and grocery density is above the national county median. New York levies a graduated state income tax (top rate 10.90%); a household at the local median AGI of $74,570 would pay roughly $4,877/year before deductions. IRS migration data (2022-2023) shows a net loss of 565 residents (419 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $63,472, fair market rent of $1,300 for a two-bedroom, and a 37.8% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 97.3%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
- Other / multi-racial
- 2.7%
Income & housing
- Median household income
- $63,472
- Median home value
- $161,200
Education
- Bachelor's degree or higher (age 25+)
- 27.7%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 163(79.5%)
- Renter-occupied
- 42(20.5%)
- Vacant units
- 846
- Built (median)
- 1944
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
Economic wellbeing
- Below poverty line
- 152(37.8%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 194(94.6%)
- No broadband
- 11(5.4%)
Language & nativity
- Foreign-born
- 119(29.6%)
- Non-English at home
- 68(16.9%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$990
/month
1 Bed
$1,070
/month
2 Bed
$1,300
/month
3 Bed
$1,810
/month
4 Bed
$1,890
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
757
Across 657 permitted buildings. Total construction value: $216.5M.
Single-family
578
76% of total units
Multifamily (2+ unit)
179
24% of total units
Single-family value
$193.2M
construction value
Multifamily value
$23.3M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
400
Average AGI
$74,570
Avg property tax
$373
EITC participation
12.5%
Income distribution
- $1 – $25,00022.5% · 90
- $25,000 – $50,00022.5% · 90
- $50,000 – $75,00017.5% · 70
- $75,000 – $100,00012.5% · 50
- $100,000 – $200,00017.5% · 70
- $200,000 or more7.5% · 30
Avg mortgage interest
$460
Avg charitable contribution
$125
Avg capital gains
$490
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $29.8M across all reported brackets.
Business & employment
Business establishments
7
Total employment
15
Annual payroll
$590K
Average annual pay
$39,333
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$58,182
Average weekly wage
$1,119
Total employment
30,393
Total establishments
2,329
That is roughly 11% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.6%
That is 0.4 percentage points below the US national unemployment rate of about 4.0%.
Labor force
37,210
Employed
35,889
Unemployed
1,321
Based on Sullivan County, NY data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
35
Date Range
1965–2021
Most Recent Declaration
REMNANTS OF HURRICANE IDA
Hurricane — declared September 5, 2021 (DR-4615)
Incident period: September 1, 2021 – September 3, 2021
Top Incident Types
- Severe Storm12 (34%)
- Hurricane8 (23%)
- Snowstorm5 (14%)
- Flood4 (11%)
- Biological2 (6%)
- Other4 (11%)
Individual Assistance
9
Direct help to disaster survivors
Households Program
7
Housing & temporary lodging support
Public Assistance
34
Repair of public facilities & roads
Hazard Mitigation
14
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
45.3°F
35.1° – 55.4°
Annual precipitation
53.1"
Annual snowfall
69.9"
Heating · cooling days
7,443.9 · 291.8
Annual base 65°F
Nearest station: LIBERTY 1 NE, NY US, 10.4 miles from the centroid of Smallwood, NY (ZIP 12778)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
9,701
That is roughly 1,501 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
17%
of adults self-report
Poor physical health days
4.2
avg per adult per month
Poor mental health days
5.5
avg per adult per month
Uninsured
6.0%
of residents under 65
Primary care MDs
33
per 100,000 residents
Preventable hospital stays
3,075
per 100K Medicare enrollees
Food environment (0-10)
8.3
10 = best access & security
Exercise access
55%
residents near a facility
Flu vaccinated
50%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.1% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Sullivan data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
4.7% of Sullivan County, NY residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.44
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.41
accepting food benefits
Fast-food restaurants
0.81
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Sullivan County, NY for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 21 reports
Property crime rate
—
per 100K residents · 280 reports
Homicide
0
Robbery
2
Burglary
41
Vehicle theft
8
County-level data for Sullivan (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−565 people
−419 households • −$38.3M net AGI flow
Moved in
2,522households
4,645 people • $196.1M AGI
Moved out
2,941households
5,210 people • $234.4M AGI
Where new residents came from
- Orange County, NY — 455 households
- Kings County, NY — 209 households
- Ulster County, NY — 129 households
- Queens County, NY — 123 households
- New York County, NY — 98 households
Where departing residents went
- Orange County, NY — 338 households
- Ulster County, NY — 138 households
- Kings County, NY — 99 households
- Queens County, NY — 60 households
- New York County, NY — 52 households
Incoming households reported an average AGI of $77,752 versus departing households' $79,688.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in New York
State-level rules that apply to every resident of ZIP 12778. Numbers reflect the most recent published year per source.
Tax rates
Income tax
10.90%
graduated · 8 brackets
Sales tax (combined)
8.54%
State 4.00% · avg local 4.54%
Property tax (effective)
1.92%
Median $3,417/year
Tax burden rank
50 of 50
14.20% of personal income
For ZIP 12778: At this ZIP's median AGI of $74,570, the estimated state income tax (before deductions) runs about $4,877 per year. Applied to this ZIP's typical home value of $161,200, that works out to roughly $3,095/year in property tax.
Paid family leave
Program
Paid Family Leave
Mandatory (private insurance)
Max weeks/year
26
Parental
12wk
Max weekly benefit
$1,229
Replacement: 67% AWW · job protection
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 12778
Nearby ZIPs by distance
12762 (Mongaup Valley, 1.2 mi) · 12749 (Kauneonga Lake, 2.5 mi) · 12786 (White Lake, 2.7 mi) · 12720 (4.6 mi) · 12783 (Swan Lake, 5.4 mi) · 12701 (Monticello, 6 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
28.3%
4.7pp below the 33.0% national rate.
High Blood Pressure
37.2%
5.2pp above the 32.0% national rate.
Depression
18.5%
3.5pp below the 22.0% national rate.
Annual Checkup
83.2%
7.2pp above the 76.0% national rate.
Health Insurance
5.0%
8.0pp below the 13.0% national rate.
Diabetes
11.5%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
3
Median in-state tuition
$8,674
Median earnings (10 yr)
$42,449
- 2-Year
Sullivan County Community College
Loch Sheldrake, NY · 12759
- In-state tuition
- $6,468
- Out-of-state tuition
- $12,132
- Acceptance rate
- —
- Graduation rate
- 27.6%
- Median earnings (10 yr)
- $38,354
- Median student debt
- $10,150
- 4-Year
Yeshivath Zichron Moshe
South Fallsburg, NY · 12779
- In-state tuition
- $10,880
- Out-of-state tuition
- $10,880
- Acceptance rate
- 30.0%
- Graduation rate
- 67.5%
- Median earnings (10 yr)
- —
- Median student debt
- —
- 4-Year
Bard College - Woodbourne Correctional Facility
Woodbourne, NY · 12788
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $46,543
- Median student debt
- $24,254
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Smallwood, NY (ZIP 12778) sits in Sullivan County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Health Insurance comes in below the national average at 5.0%. No NCES schools are mapped to this ZIP in the current dataset. 3 colleges and universities serve the area, with median in-state tuition of $8,674. IRS data shows average household income (AGI) of $74,570, well above the ~$45K national average per return. The CDC SVI flags household composition (87th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 48th-percentile score. FEMA has issued 35 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Annual precipitation averages 53.1" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. USDA's Food Environment Atlas shows a strong food retail environment in this county — only 4.7% of residents are low-access and grocery density is above the national county median. New York levies a graduated state income tax (top rate 10.90%); a household at the local median AGI of $74,570 would pay roughly $4,877/year before deductions. IRS migration data (2022-2023) shows a net loss of 565 residents (419 households) — the ZIP's primary county is shrinking. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $63,472, fair market rent of $1,300 for a two-bedroom, and a 37.8% poverty rate (well above the ~12% US average). Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits lower the national rate at 18.5%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 12778
What is the obesity rate in ZIP 12778?
28.3%, which is 4.7 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 12778?
18.5%, which is 3.5 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 12778?
37.2%, which is 5.2 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 12778?
402 people live in ZIP 12778, with a median age of 61.1 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 12778?
$63,472 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 12778 mostly renters or homeowners?
In ZIP 12778, 79.5% of occupied housing units are owner-occupied and 20.5% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 12778?
In ZIP 12778, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 12778?
37.8% of the population in ZIP 12778 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 12778 have broadband internet?
94.6% of households in ZIP 12778 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the average household income in ZIP 12778?
The average Adjusted Gross Income reported on tax returns from ZIP 12778 (Smallwood, NY) is $74,570 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 12778?
Tax returns from ZIP 12778 report an average of $373 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 12778 earn over $200,000?
7.5% of tax returns from ZIP 12778 (Smallwood, NY) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 12778?
As of 2022, 7 business establishments operated in ZIP 12778 employing 15 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 12778?
The average annual pay across all local establishments in ZIP 12778 is $39,333, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 12778 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 12778 ranks in the 48th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 12778?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 12778, ranking in the 87th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 12778 experienced?
FEMA has recorded 35 federal disaster declarations affecting ZIP 12778 between 1965–2021 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 12778?
Severe Storm is the most common federally declared disaster type affecting ZIP 12778, accounting for 12 of 35 declarations (34%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 12778?
The most recent FEMA disaster declaration affecting ZIP 12778 was "REMNANTS OF HURRICANE IDA" — a hurricane declared in 2021 (DR-4615) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 12778?
3 colleges and universities are listed near ZIP 12778 by the U.S. Department of Education College Scorecard, including Sullivan County Community College, Yeshivath Zichron Moshe, and Bard College - Woodbourne Correctional Facility (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 12778?
Median in-state tuition across 3 nearby institutions is $8,674 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 12778?
Graduates of nearby colleges earn a median of $42,449 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 12778?
ZIP 12778 has an average annual temperature of 45.3°F and 53.1" of annual precipitation based on the LIBERTY 1 NE, NY US weather station 10.4 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 12778?
New York has a graduated income tax with a top rate of 10.90%. Households at the local median AGI of $74,570 would pay roughly $4,877 in state income tax annually (estimated, before deductions). Combined sales tax: 8.54% (Tax Foundation 2025).
Does New York have paid family leave?
New York runs an active paid family leave program (Paid Family Leave) offering up to 26 weeks of paid leave per year, with a maximum weekly benefit of $1,229 (Bipartisan Policy Center 2026).
What data is available for ZIP 12778?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (3 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (35 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (35 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 12778
Nearby ZIPs by distance
12762 (Mongaup Valley, 1.2 mi) · 12749 (Kauneonga Lake, 2.5 mi) · 12786 (White Lake, 2.7 mi) · 12720 (4.6 mi) · 12783 (Swan Lake, 5.4 mi) · 12701 (Monticello, 6 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 12778?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
48th percentile
Moderate Vulnerability
Based on 1 census tract, population 59
Vulnerability Themes
Households Without Vehicle
2
Limited English Speakers
2
Persons with Disability
8
Without HS Diploma
4
Adults Age 65+
25
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.