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ZIP Code 12164

Speculator, NY, Hamilton County

Population

539

Land area

116.8sq mi

People per sq mi

5

City

Speculator

ZIP 12164 and nearby ZIP codes

Full map

ZIP 12164 at a glance

  • ZIP 12164 (Speculator) is 99% less dense than New York as a whole.
  • The median household income is $62,083, 28% below the New York median of $85,974.
  • A typical owner-occupied home is valued at $226,800 (46% below New York) and median rent is $1,042 a month.

Local data for ZIP 12164

Counts from official public data

Housing and community stats

ZIP 12164, American Community Survey 2020-2024

Full profile

Median household income

$62,083

Poverty rate

24.5%

Median home value

$226,800

Median rent

$1,042/mo

Homeownership

74.0%

Bachelor's or higher

44.4%

Median age

64.1

Average commute

10.3 min

Income, education and commute

Economy and federal money

Businesses, pandemic loans and political donations

Details

Business establishments

29

ZIP Business Patterns 2023

Employees

237

$7.8M annual payroll

PPP loans

$2.9M

28 loans

Campaign donations

$853

0% D, 100% R, 2026 cycle

PPP loans in this ZIP

Environment and hazard risk

ZIP 12164, from FEMA, NOAA and EPA

Full report

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 zone

Health statistics

Share of adults in ZIP 12164, CDC PLACES estimates

All 40 measures

Obesity

29.6%

U.S. 33.3% -3.7 pts

Diabetes

12.7%

U.S. 12.1% +0.6 pts

Smoking

12.2%

U.S. 12.8% -0.6 pts

Uninsured (18-64)

5.5%

U.S. 11.1% -5.6 pts

Frequently asked questions

What city is ZIP code 12164?
ZIP code 12164 is in Speculator, NY (Hamilton County).
What county is ZIP code 12164 in?
ZIP code 12164 is mostly in Hamilton County, New York.
How many people live in ZIP code 12164?
About 539 people live in the 12164 ZIP Code Tabulation Area, based on American Community Survey 5-year estimates.

Source: U.S. Census Bureau (ZIP Code Tabulation Areas, American Community Survey) · Data as of 12/31/2023. ZIP Code Tabulation Areas closely match, but are not identical to, USPS ZIP code delivery areas.