Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 64.1 yrs |
|---|---|
| Avg HH 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 |
|---|---|
| Median Home Value | $185,200 ▼ 34% below avg |
| Home/Income Ratio | 3.2x (nat avg ~3.5x) |
| Median Rent | $1,045/mo |
| Total Housing Units | 787 |
| Vacant Units | 562 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Speculator is a city in New York, located in Hamilton County. The city spans 1 ZIP code and is home to approximately 520 residents. It is an older city, with a median age of 64.1 years.
Economically, Speculator is a solidly middle-class community. The median household income of $58,594 is below the national average. Approximately 17.1% of residents live below the poverty line. The unemployment rate is 3.0%, below the national average.
The real estate market in Speculator is an affordable housing market. Median home values stand at $185,200, which is below the national average. Renters typically pay around $1,045 per month. Homeownership is high at 75.6%, typical of suburban and family-oriented communities.
The population of Speculator is well-educated. 45.5% of adults hold a bachelor's degree or higher — above the national average. The community is primarily White (96.73%).
Speculator, NY offers residents a cost-conscious lifestyle within New York.
| ZIP | Population | Median Income | Median Home | Median Rent | Unemp. | College | Owner Occ. |
|---|---|---|---|---|---|---|---|
| 12164 | 520 | $58,594 | $185,200 | $1,045 | 3.0% | 45.5% | 75.6% |