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ZIP Code 12190
Speculator, NY, Hamilton County
Population
671
Land area
176.8sq mi
People per sq mi
4
City
Speculator
ZIP 12190 and nearby ZIP codes
ZIP 12190 at a glance
- ZIP 12190 (Speculator) is 99% less dense than New York as a whole.
- Households here earn a median of $74,286 a year, 14% less than the New York figure of $85,974.
- A typical owner-occupied home is valued at $268,600 (37% below New York).
Local data for ZIP 12190
Counts from official public data
Housing and community stats
ZIP 12190, American Community Survey 2020-2024
Median household income
$74,286
Poverty rate
4.6%
Median home value
$268,600
Homeownership
91.7%
Bachelor's or higher
19.6%
Median age
59.8
Average commute
42.9 min
Economy and federal money
Businesses, pandemic loans and political donations
Business establishments
3
ZIP Business Patterns 2023
Employees
83
$3.3M annual payroll
PPP loans
$59.1K
5 loans
Campaign donations
$944
0% D, 21% R, 2026 cycle
Environment and hazard risk
ZIP 12190, 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
Health statistics
Share of adults in ZIP 12190, CDC PLACES estimates
Obesity
32.9%
U.S. 33.3% about the same
Diabetes
15.0%
U.S. 12.1% +2.9 pts
Smoking
16.9%
U.S. 12.8% +4.1 pts
Uninsured (18-64)
6.6%
U.S. 11.1% -4.5 pts
Frequently asked questions
- What city is ZIP code 12190?
- ZIP code 12190 is in Speculator, NY (Hamilton County).
- What county is ZIP code 12190 in?
- ZIP code 12190 is mostly in Hamilton County, New York.
- How many people live in ZIP code 12190?
- About 671 people live in the 12190 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.