12164 ZIP Code — Speculator, NY

Hamilton County, New York

ZIP code 12164 is located in Speculator, New York, within Hamilton County. It covers approximately 116.78 square miles and serves a population of 485 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 518/838.

About ZIP code 12164

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $187,500. Owner-occupancy is high at 77%, well above the national average.

Median household income is $57,292. 60% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 13 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Notable community characteristics include disability rates above the national average at 25%.

Overall, ZIP code 12164 reflects a community defined by high homeownership and a significant Social Security-dependent population.

485

population

116.78

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

12164 ZIP code map

Cities in ZIP code 12164

Below are the cities the US Postal Service accepts for ZIP code 12164. Using any city not on this list may result in mail delivery delays.

City	Status
Speculator	Preferred

Nearby ZIP codes

12108 Lake Pleasant (2.6 mi) 12190 Wells (4.1 mi) 12842 Indian Lake (14.5 mi) 12843 Johnsburg (15.6 mi) 12812 Blue Mountain Lake (19.3 mi) 12878 Stony Creek (19.7 mi)

Demographics updated 05/2026

Population
Total population	485
Population density	4 / sq mi
State FIPS	36
County FIPS	041

Geography
Land area	116.78 sq mi
Water area	6.02 sq mi
Latitude	43.5566
Longitude	-74.3648
Timezone	Eastern (ET)
Area code	518/838

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.3%	36.0%	37.0%
$50k – $100k	39.6%	40.2%	27.0%
$100k – $200k	20.8%	21.4%	24.4%
Over $200k	11.3%	2.4%	11.5%

Demographics & statistics

485

Population

People per sq mi

62.1

Median age

$57,292

Median household income

$38,562

Per capita income

$187,500

Median home value

$950

Median monthly rent

76.9%

Home ownership

15.5%

Poverty rate

4.6%

Unemployment

753

Housing units

32.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	38	7.8%
18 and over	447	92.2%
65 and over	213	43.9%
Median age	62.1 years

Race & ethnicity

White 96.5%

Hispanic or Latino 1.4%

Two or more races 1.4%

Black or African American 0.6%

Group	Count	%
White	475	96.5%
Hispanic or Latino	7	1.4%
Two or more races	7	1.4%
Black or African American	3	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	28.3%	36.0%	37.0%
$50k – $100k	39.6%	40.2%	27.0%
$100k – $200k	20.8%	21.4%	24.4%
Over $200k	11.3%	2.4%	11.5%

Under $10k 1.7%

$10k–$15k 8.1%

$15k–$25k 11.0%

$25k–$35k 4.6%

$35k–$50k 13.9%

$50k–$75k 25.4%

$75k–$100k 12.1%

$100k–$150k 12.1%

$150k–$200k 2.9%

$200k+ 8.1%

Range	% of households
Under $10k	1.7%
$10k–$15k	8.1%
$15k–$25k	11.0%
$25k–$35k	4.6%
$35k–$50k	13.9%
$50k–$75k	25.4%
$75k–$100k	12.1%
$100k–$150k	12.1%
$150k–$200k	2.9%
$200k+	8.1%
Median income	$57,292

Housing

Home values

Under $50k 6.8%

$50k–$100k 17.3%

$100k–$150k 10.5%

$150k–$200k 21.1%

$200k–$300k 24.8%

$300k–$500k 4.5%

$500k–$1M 12.8%

$1M+ 2.3%

Housing overview

Metric	Value
Median home value	$187,500
Median rent / month	$950
Owner occupied	76.9%
Renter occupied	23.1%
Vacant	78.2%
Single-family detached	81.7%
Large apartment buildings	0.0%
Mobile homes	14.9%
Median rooms	4.6
Avg household size (owned)	2.21

Year built

Era	%
2020 or later	0.0%
2010–2019	3.5%
2000–2009	8.2%
1990–1999	12.1%
1980–1989	12.4%
1970–1979	18.7%
1960–1969	13.4%
1950–1959	9.6%
1940–1949	7.9%
1939 or earlier	14.2%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	5.3%
2 bedrooms	34.4%
3 bedrooms	38.5%
4 bedrooms	18.2%
5+ bedrooms	0.6%

Vehicles per household

Vehicles	% of households
No vehicle	5.2%
1 vehicle	53.2%
2 vehicles	34.1%
3 or more	7.5%

Heating fuel

Fuel type	%
Electricity	10.4%
Propane / LP gas	47.4%
Fuel oil	24.9%
Wood	16.2%

Households & families

Household type	Count	%
Married-couple family	99	57.2%
Cohabiting couple	3	1.7%
Male householder, no spouse	33	19.1%
Female householder, no spouse	38	22.0%
Households with children under 18	15	8.7%
Households with seniors (65+)	90	52.0%
Average household size	2.35

Marital status

Status	Male	Female
Never married	40.6%	30.5%
Married	46.1%	50.6%
Separated	0.9%	1.3%
Widowed	2.7%	10.3%
Divorced	9.6%	7.3%

Education

Less than 9th grade 0.0%

Some HS, no diploma 8.3%

HS graduate 28.2%

Some college, no degree 13.8%

Associate's degree 17.7%

Bachelor's degree 10.0%

Graduate / professional 22.1%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	32.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	5	7.7%
Elementary school	21	32.3%
High school	10	15.4%
College / grad school	29	44.6%

Employment

Industry of employment

Education & healthcare 30.6%

Arts, food & hospitality 19.4%

Construction 9.7%

Public administration 6.5%

Manufacturing 5.4%

Retail trade 5.4%

Transportation & utilities 4.8%

Finance & real estate 4.8%

Professional & management 4.8%

Other services 3.8%

Information 3.2%

Wholesale trade 1.6%

Occupation

Category	%
Management, business & arts	27.4%
Service	37.1%
Sales & office	13.4%
Natural resources & construction	15.1%
Production & transportation	7.0%

Employment type

Type	%
Private sector	69.4%
Government	23.1%
Self-employed	7.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.5%
Carpool	5.4%
Public transit	0.0%
Walk	25.8%
Work from home	4.3%
Other means	0.0%
Avg commute (minutes)	12.6

Poverty

All people 15.5%

Under 18 years 31.6%

18 and over 14.1%

Married-couple families 14.1%

Female-led households 30.0%

Income support

Source	% of households
Social Security	59.5%
Retirement income	43.9%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	2.9%

Health indicators

Condition	%
Obesity	27.0%
High blood pressure	37.7%
High cholesterol	37.6%
Diabetes	11.5%
Heart disease	9.4%
Stroke	4.3%
Asthma	10.4%
Arthritis	31.2%
Kidney disease	3.8%
Pulmonary disease	9.9%
Cancer	9.6%

Behavior / access	%
Smoking	18.4%
Binge drinking	14.6%
No physical activity	28.1%
Less than 7 hrs sleep	34.5%
Depression	20.7%
Fair or poor health	16.4%
Poor mental health	14.1%
Poor physical health	12.2%
No health insurance	13.3%
Visited doctor (checkup)	79.7%
Visited dentist	63.1%
Cholesterol screening	91.6%
Teeth loss	18.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	47	10.5%

Disability	%
Any disability	24.9%
Under 18	5.3%
18–64 years	9.8%
65 and over	45.1%

Health insurance coverage

Type	%
Private insurance	72.6%
Public insurance	50.7%
No insurance	1.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	478	98.6%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	482	99.4%
Born in same state	482	99.4%
Born in different state	332	68.5%
Foreign born	0	0.0%
Naturalized citizen	3	0.6%
Not a US citizen	3	100.0%

Ancestry

Ancestry	Count	%
French	156	32.2%
Italian	72	14.8%
Arab	68	14%
English	36	7.4%

Ancestry	Count	%
Polish	28	5.8%
German	20	4.1%
Dutch	7	1.4%
Irish	2	0.4%

Technology access

Metric	% of households
Computer access	35.7%
Internet access	91.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 12164

What city is ZIP code 12164 in?

ZIP code 12164 is primarily assigned to Speculator, New York.

What county is ZIP code 12164 in?

ZIP code 12164 falls within Hamilton County, New York.

Does ZIP code 12164 have an older population?

44% of residents in ZIP code 12164 are 65 or older, above the national average of ~17%.

Does ZIP code 12164 have a large retiree population?

60% of households in ZIP code 12164 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 12164?

16% of residents in ZIP code 12164 live below the poverty line, above the national average.

Does ZIP code 12164 have a large veteran population?

11% of civilians in ZIP code 12164 are veterans, above the national average of ~7%.

What timezone is ZIP code 12164 in?

ZIP code 12164 observes the EST timezone.