Speculator ZIP Codes — Hamilton County, NY

There is one unique ZIP code in Speculator, New York and it is 12164. Area code: 518/838.

ZIP codes

116.78

sq mi land

6.02

sq mi water

518/838

area code

Speculator, NY ZIP code map

About Speculator, NY

Speculator is a quaint village located in the scenic landscape of New York. Nestled in Hamilton County, it offers a blend of natural beauty and small-town charm. Known for its serene atmosphere and outdoor recreational opportunities, Speculator attracts both residents and visitors alike.

Location & geography

Speculator is situated in the heart of the Adirondack Mountains, offering breathtaking views and diverse terrain. It is approximately 18 miles from the town of Indian Lake and about 24 miles from the bustling village of Blue Mountain Lake. The area encompasses 116.78 square miles of land and features 6.02 square miles of water, making it a haven for fishing and boating enthusiasts.

Community & economy

The community of Speculator is characterized by its friendly atmosphere and strong ties among residents. Local industries revolve around tourism, outdoor recreation, and small businesses, creating a vibrant economy for the village. Daily life here is relaxed, with many residents enjoying activities such as hiking, fishing, and exploring the natural beauty of the surrounding forested areas.

Transportation

Speculator is conveniently accessible via State Route 8, which connects it to the larger transportation network in New York. The nearest major airport is Adirondack Regional Airport, located about 55 miles away in Saranac Lake. Public transit options are limited, but visiting the town generally requires a personal vehicle.

History

Speculator was established in the early 19th century, initially serving as a stopping point for travelers through the Adirondacks. The village's economy historically centered on lumbering and tourism, which continue to play significant roles today. Notable events, such as the annual Fourth of July celebrations, showcase the community spirit and its commitment to preserving local traditions.

Did you know?

One surprising fact about Speculator is that it is located near the confluence of the East and West Branches of the Sacandaga River. This picturesque setting has made it a popular destination for both summer and winter sports enthusiasts.

ZIP codes for Speculator, NY (1)

ZIP code	City	County	Map
12164	Speculator	Hamilton	View map

Demographics & statistics

485

Population

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

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%
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	%
High blood pressure	37.7%
High cholesterol	37.6%
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	%
Binge drinking	14.6%
No physical activity	28.1%
Less than 7 hrs sleep	34.5%
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%
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

What ZIP codes does Speculator, NY have?

Speculator, NY has one ZIP code: 12164. Each ZIP code serves a distinct delivery area within the city and surrounding region.