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Speculator village, NY

ZIP 12164 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12164

Median Home Value
$185,200
Median Rent
$763
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,190/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 12164 in Speculator village, 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.

Housing Tenure

Vacancy rate 71% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.6%+16% vs US avg
x
Vacancy Rate
71.4%+593% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
6.3%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
1.8%-96% vs US avg
x
Mortgage-Free
69.4%+82% vs US avg
x
$185,200
Home Value
$763
Rent
1973
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached79.0%
  • 1-unit attached1.1%
  • 2-9 units3.9%
  • 10+ units0.0%
  • Mobile home & other15.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$185,200
Median rent$763
Owner-occupied75.6%
Vacant71.4%
Price-to-income3.2x
Est. income to buy$51,000