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ZIP 12164 · Speculator

Who lives in ZIP code 12164 (Speculator, NY): age, income, housing, education and work.

Source: uszips 2026 (ACS-based ZIP file)

2026 ZIP profile

Speculator, NY · Hamilton County

uszips 2026
People539
Median age64.1
Household income$62,083
Home value$237,731
Median rent$1,042/mo
Poverty24.5%
College degree+44.4%
Commute10 min

Place

Metro area
Outside any metro
Time zone
Eastern
Density
2 / sq mi
Housing units
254

County

Hamilton100%

Share of the ZIP's people in each county.

Age mix

Under 103.2%
10–192.3%
20s10.2%
30s7.6%
40s4.3%
50s17.7%
60s21.5%
70s20.8%
80+12.6%

44.7% are 65 or older; 95.4% are adults.

Household income

Under $25K21.2%
$25K–50K18.8%
$50K–75K22.0%
$75K–100K18.1%
$100K–150K12.2%
$150K+7.5%

19.7% of households earn $100K+. Median per person: $25,781.

Education (adults 25+)

Less than high school11.0%
High school20.5%
Some college24.1%
Bachelor's16.6%
Graduate27.8%

23.4% of degrees are in STEM fields.

Race

White84.6%
Black6.3%
Asian1.1%
Native American0.0%
Pacific Islander0.0%
Other0.4%
Two or more7.6%

4.8% Hispanic or Latino (of any race).

Households & family

Married
50.3%
Never married
39.3%
Divorced
4.8%
Widowed
5.6%
Family size
2.23
Dual-income families
14.0%

Housing

Own their home
74.0%
Rent burden
36.5%
Men / women
44% / 56%

Work

In labor force
35.9%
Unemployment
4.9%
Self-employed
6.9%
Farmers
0.0%

Community

Charitable givers
20.7%
Veterans
10.9%
With a disability
24.3%
No health insurance
1.7%
Limited English
0.0%

Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.

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