ZIP code 12164: Speculator, NY
12164 is a ZIP code in Speculator, New York, mainly in Hamilton County. About 539 people live here.
- Population
- 539
- Median household income
- $62,083
- Typical home value
- $282,800+2% in 12 months
- Median rent
- $1,042gross, per month
- Median age
- 64.1
- Homeowners
- 74%of occupied homes
Shaded: ZIP code 12164's area. Click anywhere on the map to see which ZIP code it's in.
ZIP codes within 10 milesWithin 25 miles
ZIP code 12164 details
| City | Speculator |
|---|---|
| State | New York |
| County | Hamilton County |
| Metro area | Not in a metro or micro area |
| Time zone | Eastern Time (UTC−5), observes daylight saving time |
| Type | Standard (delivery area) |
| Land area | 116.8 sq mi, plus 6 sq mi of water |
| Population density | 5 people per sq mi |
| Bachelor's degree or higher | 44.4% of adults 25+ |
| Average commute | 10.3 minutes |
| Center coordinates | 43.64829, -74.45158 |
ZIP codes near 12164
| ZIP code | City | Distance | Population |
|---|---|---|---|
| 12864 | Sabael, NY | 9.1 mi | 8 |
| 12842 | Indian Lake, NY | 9.9 mi | 995 |
| 12139 | Piseco, NY | 12.1 mi | 227 |
| 12108 | Lake Pleasant, NY | 12.5 mi | 350 |
| 13436 | Raquette Lake, NY | 13.8 mi | 135 |
| 13360 | Inlet, NY | 14.1 mi | 227 |
| 12190 | Wells, NY | 14.5 mi | 671 |
| 12856 | North River, NY | 15.5 mi | 260 |
Population and median household income: ACS 2020–2024 5-year estimates. Typical home value: Zillow Home Value Index (September 2026) where available, otherwise the ACS median owner-reported value. "PO Box" marks ZIP codes with no delivery area of their own. Methodology
Buying a home in 12164?
A typical home in ZIP code 12164 is worth about $282,800 (Zillow Home Value Index). The median household here earns $62,083 a year. See what buying here would cost per month, with New York average taxes and insurance filled in.
Monthly payment for a $282,800 homeWhat can a $62,083 income afford?Rental property numbers
About ZIP code 12164
What city is ZIP code 12164?
ZIP code 12164 is in Speculator, NY, in Hamilton County.
What county is ZIP code 12164 in?
12164 is mainly in Hamilton County, New York.
What is the population of ZIP code 12164?
About 539 people live in ZIP code 12164, according to the American Community Survey 2020–2024 5-year estimates.
What time zone is ZIP code 12164 in?
12164 is in Eastern Time (UTC−5). It observes daylight saving time.