ZIP Code 12164 — Speculator village, NY Demographics & Data

ZIP code 12164 covers Speculator, NY in Hamilton County with a population of about 520.

At a glance, the area shows median age of 64.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the ALBANY - SCHENECTADY - TROY media market.

Speculator, NY fits a retirement-oriented profile (high share of residents 65+ (44.2%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 12164 is about $58,594 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.1%; unemployment rate near 3.0%; 31.1% of adults with a bachelor’s degree or higher (about 2.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Wholesale trade; about 7.2% of workers reporting work-from-home (about 8.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $185,200 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $763 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 75.6% (about 10.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12164 in Speculator, NY, a household would need roughly $51,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,190. That sits below the local median household income ($58,594), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Speculator village, NY as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (46.9) and flood (41.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Speculator village, NY show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 22 for ZIP 12164 (Speculator village, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.