| ZIP Code | 12164 |
|---|---|
| City | Speculator |
| State | New York (NY) |
| County | Hamilton County |
| Area Code | 518/838 |
| Elevation | 2,194 ft |
| Latitude | 43.648293 |
|---|---|
| Longitude | -74.45158 |
| Timezone | New York (DST) |
| FIPS | 36041 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 64.1 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 1.96 |
| Below Poverty | 17.1% ▲ 71% above avg |
| College Grads | 45.5% ▲ 18% above avg |
| Unemployment | 3.0% ▼ 39% below avg |
| HS Graduate | 120 (28.9%) |
| Some College | 47 (11.3%) |
| Associates | 59 (14.2%) |
| Bachelors | 63 (15.2%) |
| Graduate Degree | 126 (30.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $58,594 ▼ 23% below avg ↓ 19% since 2019 |
|---|---|
| Median Home Value | $185,200 ▼ 34% below avg ↑ 25% since 2019 |
| Home/Income Ratio | 3.2x (nat avg ~3.5x) |
| Median Rent | $1,045/mo ↑ 44% since 2019 |
| Total Units | 787 |
| Vacant Units | 562 |
| Avg HH Size | 1.96 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 787 |
|---|---|
| Vacant | 562 |
| Owner Occupied | 75.6% |
| Renter Occupied | 24.4% |
| Avg HH Size | 1.96 |
ZIP code 12164 is located in Speculator, New York, within Hamilton County. With a population of 520, this is a sparsely populated ZIP code with an older community — the median age is 64.1 years. Economically, 12164 is a solidly middle-class ZIP code: the median household income of $58,594 is below the national average.
Real estate in ZIP code 12164 represents an affordable housing market. The median home value of $185,200 is below the national average. Renters can expect to pay around $1,045 per month in median rent. Homeownership is strong here — 75.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 25% since 2019.
The population of 12164 is primarily White (96.73%). Residents are well-educated — 45.5% hold a bachelor's degree or higher, which is above the national average. Poverty affects some residents at 17.1%. Household income has declined by 19% since 2019.
The unemployment rate in 12164 stands at 3.0%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 65%.
Overall, ZIP code 12164 in Speculator, NY is characterized as solidly middle-class, well-educated, an older community, and predominantly owner-occupied. With 520 residents, a median household income of $58,594, and a median home value of $185,200, it offers a clear picture of life in this part of New York.