Zip code 12164: Speculator, New York

Q: What city is zip code 12164?

12164 is assigned to Speculator, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12164 in?

12164 is in Hamilton County, New York.

Q: What is the population of 12164?

About 539 people live in 12164, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12164?

The median household income in 12164 is $62,083.

Q: What zip codes are near 12164?

The closest zip codes to 12164 are 12864, 12842, 12139, 12108, 13436.

Residential delivery areaHamilton CountyEastern Time

Population

539

Median household income

$62K

U.S. $81K

Median home value

$227K

U.S. $333K

Median rent

$1,042/mo

U.S. $1,413

Median age

64.1

U.S. 38.9

Land area

117 sq mi

5 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 12164

12164 is a rural zip code in Speculator, New York (Hamilton County), covering 117 sq mi of land. About 539 people live here, or 5 per square mile. The median resident is 64.1 years old, compared with 38.9 nationally.

The median household earns $62,083 a year, 23% below the national median of $80,734. 24.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $226,800, or 3.7 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 74% of occupied homes are lived in by their owners, and renters pay a median of $1,042 a month.

44% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 10.3 minutes each way, and 18% of workers work from home. The most common jobs among working residents are in management; sales; and business and finance. 22% of them are self-employed (U.S.: 10%).

How 12164 compares

Sorted from highest to lowest national percentile

Median age64.1
99th
U.S. 38.9 · NY 39.838th of 1,693 in NY
Housing vacancy67.9%
99th
U.S. 10.1% · NY 10%38th of 1,675 in NY
Residents 65 and older44.7%
99th
U.S. 17.2% · NY 17.9%49th of 1,693 in NY
Self-employed workers22.2%
99th
U.S. 10% · NY 9.7%140th of 1,685 in NY
Veterans10.9%
92nd
U.S. 6.2% · NY 3.7%178th of 1,693 in NY
Poverty rate24.5%
91st
WeaknessU.S. 12.5% · NY 14%131st of 1,679 in NY
Income inequality (Gini)0.481
82nd
WeaknessU.S. 0.483 · NY 0.517341st of 1,669 in NY
Government workers18.2%
77th
U.S. 14.5% · NY 16.4%824th of 1,685 in NY
Bachelor's degree or higher44.4%
72nd
U.S. 35.7% · NY 40.2%485th of 1,691 in NY
Work from home18.2%
72nd
U.S. 15.1% · NY 14.9%375th of 1,685 in NY
Homeownership rate74%
64th
U.S. 65.2% · NY 54.3%1,068th of 1,673 in NY
Unemployment rate4.9%
51st
U.S. 5.2% · NY 6.4%759th of 1,685 in NY
Per capita income$40,262
50th
U.S. $44,673 · NY $50,712951st of 1,690 in NY
Broadband access90.2%
35th
U.S. 91% · NY 90.8%950th of 1,673 in NY
Median home value$226,800
27th
U.S. $332,700 · NY $423,800896th of 1,614 in NY
Median household income$62,083
24th
U.S. $80,734 · NY $85,9741,312th of 1,602 in NY
Median gross rent$1,042
24th
U.S. $1,413 · NY $1,621833rd of 1,367 in NY
Diversity index27.7
21st
U.S. 61.4 · NY 65.5813th of 1,693 in NY
Healthcare workers7.4%
20th
U.S. 9.7% · NY 11.8%1,241st of 1,685 in NY
Rent-burdened renters41.2%
18th
StrengthU.S. 51.1% · NY 52.1%1,064th of 1,579 in NY
Median earnings per worker$37,344
15th
WeaknessU.S. $49,666 · NY $55,3211,499th of 1,676 in NY
Foreign-born residents1.3%
8th
U.S. 14.1% · NY 22.8%1,341st of 1,693 in NY
Uninsured rate1.7%
4th
StrengthU.S. 8.4% · NY 5.1%1,306th of 1,689 in NY
Population539
1st
U.S. 334,922,499 · NY 19,852,3661,447th of 1,693 in NY
Population density5/sq mi
1st
U.S. 95/sq mi · NY 421/sq mi1,675th of 1,693 in NY
Average commute10.3 min
1st
StrengthU.S. 26.4 min · NY 32.6 min1,611th of 1,618 in NY
Residents under 184.6%
1st
U.S. 22% · NY 20.5%1,608th of 1,693 in NY
Tech workers0%
1st
U.S. 3.8% · NY 3.5%1,473rd of 1,685 in NY

Measure	12164	Hamilton	NY	U.S.	National percentile	Rank in NY
Median age	64.1	58.1	39.8	38.9	99th	38th of 1,693
Housing vacancy	67.9%	69.4%	10%	10.1%	99th	38th of 1,675
Residents 65 and older	44.7%	33.8%	17.9%	17.2%	99th	49th of 1,693
Self-employed workers	22.2%	18.7%	9.7%	10%	99th	140th of 1,685
Veterans	10.9%	8.6%	3.7%	6.2%	92nd	178th of 1,693
Poverty rateWeakness	24.5%	10.6%	14%	12.5%	91st	131st of 1,679
Income inequality (Gini)Weakness	0.481	0.430	0.517	0.483	82nd	341st of 1,669
Government workers	18.2%	35.4%	16.4%	14.5%	77th	824th of 1,685
Bachelor's degree or higher	44.4%	33.2%	40.2%	35.7%	72nd	485th of 1,691
Work from home	18.2%	13.8%	14.9%	15.1%	72nd	375th of 1,685
Homeownership rate	74%	82.4%	54.3%	65.2%	64th	1,068th of 1,673
Unemployment rate	4.9%	4.4%	6.4%	5.2%	51st	759th of 1,685
Per capita income	$40,262	$43,752	$50,712	$44,673	50th	951st of 1,690
Broadband access	90.2%	90.2%	90.8%	91%	35th	950th of 1,673
Median home value	$226,800	$260,200	$423,800	$332,700	27th	896th of 1,614
Median household income	$62,083	$68,835	$85,974	$80,734	24th	1,312th of 1,602
Median gross rent	$1,042	$912	$1,621	$1,413	24th	833rd of 1,367
Diversity index	27.7	16.1	65.5	61.4	21st	813th of 1,693
Healthcare workers	7.4%	6.1%	11.8%	9.7%	20th	1,241st of 1,685
Rent-burdened rentersStrength	41.2%	55.3%	52.1%	51.1%	18th	1,064th of 1,579
Median earnings per workerWeakness	$37,344	$48,068	$55,321	$49,666	15th	1,499th of 1,676
Foreign-born residents	1.3%	1.2%	22.8%	14.1%	8th	1,341st of 1,693
Uninsured rateStrength	1.7%	3.5%	5.1%	8.4%	4th	1,306th of 1,689
Population	539	5,089	19,852,366	334,922,499	1st	1,447th of 1,693
Population density	5/sq mi	3/sq mi	421/sq mi	95/sq mi	1st	1,675th of 1,693
Average commuteStrength	10.3 min	22.6 min	32.6 min	26.4 min	1st	1,611th of 1,618
Residents under 18	4.6%	12.1%	20.5%	22%	1st	1,608th of 1,693
Tech workers	0%	1.3%	3.5%	3.8%	1st	1,473rd of 1,685

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

5–17

18–24

10%

25–34

35–44

13%

45–54

17%

55–64

26%

65–74

18%

75+

Median age

64.1

Under 18

4.6%

65 and over

44.7%

Race and ethnicity

White85%
Black6%
Hispanic5%
Asian1%
Native American0%
Pacific Islander0%
Other0.4%
Multiracial3%

Diversity index

27.7

U.S. 61.4

Foreign-born

1.3%

U.S. 14.1%

Born in state

60.3%

Language spoken at home (households)

English only

99%

Spanish

Other Indo-European

0.8%

Asian / Pacific

Other

Households

Households: 254
Average household size: 1.8
Family households: 56.3%
Married couples: 48.4%
Living alone: 40.2%
Veterans (of adults): 10.9%
Male / female: 44% / 56%

Income and poverty

Household income distribution

<$25k

21%

$25–50k

19%

$50–75k

22%

$75–100k

18%

$100–150k

12%

$150–200k

$200k+

Median household income

12164

$62,083

Hamilton Co.

$68,835

New York

$85,974

United States

$80,734

Per capita income

$40,262

U.S. $44,673

Poverty rate

24.5%

U.S. 12.5%

Households earning $150K+

7.5%

U.S. 23%

Income inequality (Gini)

0.481

U.S. 0.483

Housing

Median home value

12164

$226,800

Hamilton Co.

$260,200

New York

$423,800

United States

$332,700

Median gross rent

12164

$1,042

Hamilton Co.

$912

New York

$1,621

United States

$1,413

Types of housing

Single-family

77%

2–4 units

5–19 units

0.8%

20+ units

Mobile home

19%

Boat, RV, van

Housing units: 792
Owner-occupied: 74%
Vacant: 67.9%
Median year built: 1973
Median rooms: 4.5
Renters paying 30%+ of income: 41.2%
Renters paying 50%+ of income: 5.9%
Home value to income: 3.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

52%

Carpooled

Transit

Walked

23%

Bicycle

Worked from home

18%

Other

Commute time (one way)

<10 min

81%

10–19

20–29

30–44

45–59

60+

Average commute

10.3 min

U.S. 26.4 min

Unemployment

4.9%

U.S. 5.2%

In labor force

35.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

23%

Sales

14%

Business and finance

11%

Cleaning and personal care

10%

Office and admin

10%

Transportation and moving

10%

Healthcare

Construction and repair

Production

Legal and social services

Police and fire

Computer and math

Engineering and science

Education

Arts, media and sports

Food service

Farming, fishing and forestry

Industries

Restaurants and hotels

15%

Admin, support and management

11%

Transportation, warehousing and utilities

10%

Wholesale

10%

Manufacturing

Health care and social assistance

Retail

Public administration

Education

Construction

Finance, insurance and real estate

Professional and technical services

Arts and recreation

Other services

Information

Agriculture and mining

Median earnings per worker

$37,344

U.S. $49,666

Self-employed

22.2%

U.S. 10%

Government workers

18.2%

U.S. 14.5%

Nonprofit workers

13.1%

U.S. 8.8%

Median earnings by type of work

Type of work	12164	U.S.
Management, business, science and arts	$40,833	$74,888
Service	$33,571	$26,804
Sales and office	$51,786	$40,476
Construction and maintenance	$76,250	$49,199
Production and transportation	$32,500	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

11%

High school

21%

Some college

15%

Associate's

10%

Bachelor's

17%

Graduate

28%

High school graduate or higher: 89%
Bachelor's degree or higher: 44.4%
Graduate or professional degree: 27.8%
Households with broadband: 90.2%
Cable, fiber or DSL: 83.9%
No internet access: 8.7%
Without health insurance: 1.7%
Limited-English households: 0%

Geography

City (USPS): Speculator
State: New York
County: Hamilton County
Center point: 43.6483° N, 74.4516° W
Land area: 117 sq mi
Water area: 6 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Speculator37% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 12164

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12864	Sabael, NY	9.1 mi	8	—	—
12842	Indian Lake, NY	9.9 mi	995	$58,702	$220,200
12139	Piseco, NY	12 mi	227	$71,563	$260,300
12108	Lake Pleasant, NY	13 mi	350	$55,625	$339,100
13436	Raquette Lake, NY	14 mi	135	$73,409	$350,000
13360	Inlet, NY	14 mi	227	$107,750	$344,200
12190	Wells, NY	15 mi	671	$74,286	$268,600
12856	North River, NY	16 mi	260	$59,200	$243,400
12812	Blue Mountain Lake, NY	16 mi	265	$155,536	$412,200
13353	Hoffmeister, NY	19 mi	63	$82,000	$129,200
12853	North Creek, NY	19 mi	1,235	$57,950	$214,600
12811	Bakers Mills, NY	20 mi	181	$65,865	$311,100

Questions about 12164

What city is zip code 12164?

12164 is assigned to Speculator, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12164 in?

12164 is in Hamilton County, New York.

What is the population of 12164?

About 539 people live in 12164, according to the Census Bureau's American Community Survey.

What time zone is 12164 in?

12164 is in Eastern Time.

What is the median household income in 12164?

The median household income in 12164 is $62,083.

What zip codes are near 12164?

The closest zip codes to 12164 are 12864, 12842, 12139, 12108, 13436.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12164, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.