Speculator, New York Zip Codes
📍 Speculator is in Hamilton County, New York with 1 zip code; the most populous is 12164.
Speculator is a USPS city name in Hamilton County, New York with a Census population of approximately 520 across its ZIP codes. Hamilton County as a whole has 11 ZIP codes in this directory. Below you'll find every zip code serving Speculator with population, income and home value, a map, and the city's affordability profile.
Population and demographic data sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code routing data sourced from the United States Postal Service (USPS).
All Speculator Zip Codes
Speculator at a Glance
Speculator has 1 ZIP code in this directory: 1 standard delivery ZIP. Its one ZIP with published Census housing data, 12164, has 520 residents.
Speculator's ZIP has a household income of $58,594 and a home value of $185,200, a price-to-income ratio of 3.2, above the 2.9 New York ZIP median. Median rent across these ZIPs is $1,045 a month.
76% of households in Speculator own their home (statewide ZIP median 80%). 31% of adults hold a bachelor's degree, in line with the 31% statewide median. The median poverty rate is 17.1%, far above the 9.9% statewide ZIP median. Overall density is about 4 residents per square mile across 117 square miles of ZIP land area.
Medians are taken across the ZIP codes listed below (each ZIP weighted equally); PO Box and no-data ZIPs are excluded. Definitions on the methodology page; statewide comparisons in the 2026 New York ZIP Code Affordability Report.
Speculator Zip Code Map
Interactive map of Speculator, New York zip codes. Click any marker for details.