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Speculator, NY
Village in Hamilton County, New York. ZIP codes: 12164.
Population
409
Land area
44.6sq mi
People per sq mi
9
ZIP codes
1
Speculator and its ZIP codes
Speculator at a glance
- Speculator is 98% less dense than New York as a whole.
Local data for Speculator, NY
Counts from official public data
Economy and federal money
Jobs, pay, income and spending are for Hamilton County. PPP loans are for Speculator.
Unemployment rate
3.7%
Aug 2026, +0.2 pts in a year
Average annual pay
$51,338
1,608 jobs, 2025
Income per person
$61,486
BEA, 2024
Federal spending
$49.4M
FY 2026, $9,676 per person
Environment and hazard risk
Speculator, NY, from FEMA, NOAA and EPA
Natural hazard risk
Very Low
Top: landslide
Storm events since 1996
595
Countywide, mostly winter weather
Flood insurance policies
57
0.8% of homes, county
July high / Jan low
75° / 6°F
43.5 inches of rain a year
Hazards, floods and storm historyCheck a flood zone2 historic places
Health statistics
Share of adults in Speculator, NY, CDC PLACES estimates
Obesity
29.1%
U.S. 33.3% -4.2 pts
Diabetes
12.1%
U.S. 12.1% about the same
Smoking
11.9%
U.S. 12.8% -0.9 pts
Uninsured (18-64)
5.8%
U.S. 11.1% -5.3 pts
ZIP codes in Speculator
1 in or overlapping Speculator. Population shown
Cities near Speculator
| Name | Distance | Land area (sq mi) |
|---|---|---|
| WellsCensus-designated place | 12 mi | 7.7 |
| North CreekCensus-designated place | 21 mi | 1.8 |
| NorthvilleVillage | 25 mi | 1.1 |
| Eagle BayCensus-designated place | 27 mi | 0.3 |
| Long LakeCensus-designated place | 28 mi | 9.3 |
| ChestertownCensus-designated place | 29 mi | 3.8 |
| WarrensburgCensus-designated place | 30 mi | 6.8 |
| Caroga LakeCensus-designated place | 30 mi | 2.5 |
Frequently asked questions
- What county is Speculator, NY in?
- Speculator is in Hamilton County, New York.
- What ZIP codes are in Speculator, NY?
- ZIP codes in or overlapping Speculator include 12164.
- What is the population of Speculator, NY?
- About 409 people live in Speculator, based on American Community Survey 5-year estimates.
- What cities are near Speculator?
- Nearby places include Wells (12 mi), North Creek (21 mi), Northville (25 mi), Eagle Bay (27 mi), Long Lake (28 mi).
Source: U.S. Census Bureau (TIGER/Line boundaries, American Community Survey) · Data as of 12/31/2023