Speculator, NY · standard
ZIP Code 12164
Hamilton County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 365
- 3/sq mi Low-density area
- $62,083
- Median income Near-median income area
- $226,800
- Median home value Near-median home value
- 44.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Speculator pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 33rd pct
- household income, US ZIPs
- Top 49%
- home value, US ZIPs
- 3
- people per sq mi
- 74%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 12164 against every reporting US ZIP.
ZIP code 12164 is a sparsely populated ZIP (a standard USPS delivery area) in Speculator, Hamilton County, New York, home to just 365 residents across 121.7 square miles, a density of 3 people per square mile, in the New York time zone.
ZIP 12164 reports a modest median household income of $62,083 (33% below the average New York ZIP), while per-capita income is $40,262. The poverty rate is 24.5%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $226,800 (40% below the average New York ZIP), and median rent is $1,042; owner occupancy is 74.0%.
A solid share of residents have a four-year degree: 44.4% of adults hold a bachelor's degree or higher, the median age is 64.1, and the average commute is -. The page also surfaces 2 ZIP codes within roughly 10 miles and 6 more in Hamilton County, so 12164 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 12164
Top 5 sectors by establishment count in Speculator, NY
Which industries have the most business establishments in ZIP 12164.
- Accommodation and food services
Accommodation and food services
8 establishments
- Retail trade
Retail trade
6 establishments
- Other services (except public administration)
Other services (except public administration)
4 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 12164, Speculator, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
365
Population
121.7
Area (sq mi)
3
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 12164?
64.1
Median Age
43.6%
Male
56.4%
Female
1.3%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$62,083
Median Household Income
-33% vs state ZIP avg
$40,262
Per Capita Income
24.5%
Poverty Rate
4.9%
Unemployment Rate
How ZIP 12164 ranks among New York ZIPs
Speculator, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$62,083 18th percentile higher than 18% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
792housing units
792
Total Housing Units
254
Occupied Units
538
Vacant Units
1.77
Avg Household Size
Occupancy Type
$226,800
Median Home Value
-40% vs state ZIP avg
$1,042
Median Rent
1973
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 29 business establishments in ZIP 12164, employing approximately 237 people with a combined annual payroll of $7,844,000.
29
Businesses
237
Employees
$7.8M
Annual Payroll
3
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 8 | 27.6% |
| Retail trade | 6 | 20.7% |
| Other services (except public administration) | 4 | 13.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 12164 vs 12108 →
ZIP 12164 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12190
Wells (12190)
674 residents
- 12108
Lake Pleasant (12108)
416 residents
- 12164
Speculator (12164)
365 residents
What this shows Among its immediate neighbors, ZIP 12164 ranks #3 by population - useful context the national average alone can't give.
ZIP 12164 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 12190
Wells (12190)
$74,286 median income
- 12164
Speculator (12164)
$62,083 median income
- 12108
Lake Pleasant (12108)
$55,625 median income
What this shows By household income, ZIP 12164 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 12164, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hamilton County
Related Areas
Frequently Asked Questions
What county is ZIP code 12164 in?
ZIP code 12164 (Speculator) is located in Hamilton County, New York. Hamilton County contains multiple ZIP codes, see the full list at /counties/hamilton-ny.
What is the population of ZIP code 12164?
ZIP code 12164 in Speculator, NY has a population of 365 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 12164?
The median household income in ZIP 12164 is $62,083, which is 19% below the national average of $76,288.
What is the average home value in ZIP 12164?
The median home value in ZIP 12164 is $226,800, which is 18% below the national average of $278,155.
What is the demographic makeup of ZIP 12164?
The largest racial group in ZIP 12164 is White at 84.6%. Hispanic or Latino residents make up 4.8% of the population.
How many businesses are in ZIP code 12164?
ZIP code 12164 has 29 business establishments employing approximately 237 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 12164?
The top industries by establishment count in ZIP 12164 are: Accommodation and food services (8), Retail trade (6), Other services (except public administration) (4). There are 3 industry sectors represented in total.
What is the education level in ZIP code 12164?
In ZIP code 12164, 64.9% of residents aged 25+ have a high school diploma or higher, and 44.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 12164?
In ZIP code 12164, approximately 74.0% of occupied housing units are owner-occupied and 26.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 12164?
The poverty rate in ZIP code 12164 is 24.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 12164's numbers, next.
- See how ZIP 12164 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Speculator, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.