Residential delivery area · New York
ZIP Code 12164: Speculator, NY
ZIP code 12164 uses the postal name Speculator, New York and lies entirely in Hamilton County (Census 2020 ZIP-county file). About 540 people live there (Census Bureau, ACS 2020-2024). Median household income is $62,083 (Census Bureau, ACS 2020-2024). By Census place, 37% of its land lies in Speculator; 63% is outside any Census place.
- ACS2020-24
- Census2020
- ZBP2023
- IRS2022
- Town
- Speculator · its only residential ZIP
- County
- Hamilton County
- Census places
- Speculator
- House district
- NY-21 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 116.8 sq mi · 5 people per sq mi
Where is ZIP code 12164?
12164 centers on 43.648°, -74.452° and covers 116.8 square miles of land plus 6.0 of water. It borders 6 ZIP codes: 12842, 12139, 12108, 12190, 12812, 12847.
The map draws ZIP code areas only. For the streets inside 12164, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 12164 compare with the rest of Hamilton County?
| Measure | 12164 | In Hamilton County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 539 | 6th of 14 | 1,447th of 1,826 |
| Median household income | $62k | not ranked | not ranked |
| Median home value | $227k | not ranked | not ranked |
12164's income and home value are not ranked: it has fewer than 1,000 residents (539). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 10% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 12164?
The 2020 Census counted 487 people in 12164; the ACS, which samples households over 2020-2024, estimates 539. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 539±83 (90% margin)
- 2020 Census count
- 487
- Households
- 254
- Median age
- 64.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 12164?
Of the 539 people the ACS estimates in 12164, 4.6% are under 18 and 44.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (84.6%).
- Under 184.6%
- 18 to 6450.6%
- 65 and older44.7%
- White, not Hispanic84.6%
- Black, not Hispanic6.3%
- Hispanic or Latino4.8%
- Other or two or more3.2%
- Asian, not Hispanic1.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 12164 earn?
Median household income is $62,083 (ACS 2020-2024).
- Median household income
- $62,083±$10,938
- Income per person
- $40,262
- Below the poverty line
- 24.5%
- Unemployed (of the labor force)
- 4.9%
- Adults 25+ with a bachelor's degree
- 44.4%
- Adjusted gross income per tax return, 2022
- $75,921290 returns; wages 58% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 12164?
- Median home value (owners' estimate)
- $226,800
- Median gross rent
- $1,042
- Homes owned by their occupants
- 74.0%
- Housing units
- 792
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001).
What businesses are in 12164?
29 business establishments had a location in this ZIP code in 2023, 2 fewer than in 2018; the most are in accommodation and food services (ZIP Code Business Patterns).
- Accommodation and food services8
- Retail trade6
- Other services (except public administration)4
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 12164?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12842 | Indian Lake | 995 | $59k | 9.9 mi |
| 12139 | Piseco | 227 | $72k | 12.1 mi |
| 12108 | Lake Pleasant | 350 | $56k | 12.5 mi |
| 12190 | Wells | 671 | $74k | 14.5 mi |
| 12812 | Blue Mountain Lake | 265 | $156k | 16.0 mi |
| 12847 | Long Lake | 740 | $71k | 23.8 mi |
| 12864 | Sabael | 8 | – | 9.1 mi (near) |
| 13436 | Raquette Lake | 135 | $73k | 13.8 mi (near) |
| 13360 | Inlet | 227 | $108k | 14.1 mi (near) |
| 12856 | North River | 260 | $59k | 15.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.