PlainZIP

Speculator, NY

Single-footprint Census roll-up for Speculator, NY: 1 USPS ZIP, population 365. Open the primary ZIP for household income, housing tenure, and commute from ACS 2023 5-Year Estimates.

U.S. Census Bureau, SimpleMaps US ZIP Code Database, delivery-area ZIP coverage

ACS city ledger plate

Sheet SPECULATOR-NY · Speculator, NY 1 ZIPs · 365 pop · #16819/25278 · Hamilton County

INC-MID · RANK-LOWER · ABOVE-PEER · BOOK-ONE · OWN-MID · POP-VILLAGE · SPREAD-UNK · HOME-MID

  • INC-MID $62,083
  • RANK-LOWER #16819/25278
  • ABOVE-PEER over Indian Lake
  • BOOK-ONE 1 ZIP
  • OWN-MID 74% owners
  • POP-VILLAGE 365
  • SPREAD-UNK Single-ZIP book
  • HOME-MID $226,800

Nearest income peer: Indian Lake, NY ( $3,381 income $)

Instrument codes from this city’s ACS household income, national rank, county-peer gap, ZIP book, owner tenure, population scale, intra-city income spread, and home-value band, not a moving recommendation.

Income neighbourhood around Speculator

Lowest/highest poles plus county-sharing cities nearest Speculator on average ZIP median household income. Full ladder: /cities.

median HH income

What this shows County-sharing peers only, not the full US city board. Open a near peer when the gap is small; open the poles when the mosaic is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-25

National city placement

According to ACS 5-Year Estimates, Speculator, NY sits among US cities with a below-median household income, on a village-scale population base, across a single-ZIP footprint.

33rd pct
household income vs 25,278 US cities
365
city population (Census)
1
USPS ZIP codes covered
$62,083
avg ZIP median income

Income percentile ranks this city's average ZIP median household income against 25,278 US cities with ACS income on at least one ZIP. Scale and ZIP-spread words come from Census population and USPS ZIP coverage.

Below-median income with few delivery areas (1): read cost-of-living from the primary ZIP. Household income $62,083 and poverty 24.5% concentrate in 12164.

Owner-occupancy sits in a mixed band (74.0%) - check the ZIP page's tenure split before treating Speculator as a pure owner town.

Within New York, Beaver Dams is the closest lower-income city and Conklin the closest higher-income city by average ZIP household income. Their 1 and 1 ZIP footprints are the immediate statewide comparison set for Speculator.

Population concentration

Speculator's single ZIP 12164 carries the town

Speculator is published as a single USPS ZIP. Code 12164 is the entire residential footprint (365 ACS residents), so the city page and the ZIP page tell the same household story, open that ZIP for income, tenure, and commute detail.

Census ZBP business roll-up

Dense ZBP book packed into Speculator's one ZIP

Citywide ZBP: 29 establishments, 237 employees , annual payroll $7,844k (~79 establishments per 1,000 residents) across 1 of 1 ZIPs. Peak business ZIP 12164 (29 units) ; leading NAICS Accommodation and food services (8) · also Retail trade · Other services (except public administration) .

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ZIP Codes in Speculator, NY

These ZIP codes sit in Hamilton County, which covers 11 ZIP codes in all; 1 of them fall in Speculator. See the Hamilton County roll-up →

Speculator sits in the lower half of Hamilton County on income: Wells, Long Lake and Inlet report more, Indian Lake and Lake Pleasant report less. Blue Mountain Lake marks the far end of that range at $155,536, 151% above Speculator.

ZIP Code Population Median income Establishments Density
12164 365 $62,083 29 3
How we build city roll-ups · Guide: reading ZIP code data · BLS wages

Speculator roll-ups here are for informational purposes only and do not constitute financial or relocation advice. ACS and Census ZBP figures are estimates; confirm the current table against Census before a money or move decision involving Speculator, .