PlainZIP

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
$62,083
Median income
$226,800
Median home value
44.4%
Bachelor's or higher

The verdict

Speculator pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

33th 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 New York average), while per-capita income is $40,262. Poverty here runs at 24.5%, with unemployment measured at 4.9%. On housing, the median home value is $226,800 (40% below the state average) with median rent at $1,042 per month, and 74.0% of occupied units are owner-occupied.

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 -. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Hamilton County, so you can benchmark 12164 against its immediate geography rather than a national average alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 12164?

64.1

Median Age

43.6%

Male

56.4%

Female

1.3%

Foreign-Born

White 84.6%
African American 6.3%
Asian 1.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.6%
Hispanic or Latino 4.8%

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

$40,262

Per Capita Income

24.5%

Poverty Rate

4.9%

Unemployment Rate

How ZIP 12164 ranks nationally

Speculator, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$62,083 33rd percentile higher than 33% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 64.9%
Bachelor's Degree or Higher 44.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

792

Total Housing Units

254

Occupied Units

538

Vacant Units

1.77

Avg Household Size

Occupancy Type

Owner 74.0%
Renter 26.0%

$226,800

Median Home Value

-40% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 12164 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 12164 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
12108 Lake Pleasant, NY 416 4.8 mi
12190 Wells, NY 674 7.0 mi

More ZIP Codes in Hamilton County

12842 standard
Indian Lake, NY
Pop: 1,166
12190 standard
Wells, NY
Pop: 674
12847 standard
Long Lake, NY
Pop: 605
12108 standard
Lake Pleasant, NY
Pop: 416
13360 standard
Inlet, NY
Pop: 333
12139 standard
Piseco, NY
Pop: 295

Related Areas

Hamilton County Speculator, NY New York

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.

Read our methodology to see how this data is sourced, computed, and verified.