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12108 Zip Code (Speculator, NY) Detailed Profile




City: Speculator, NY (5.51%)
County: Hamilton County, NY
Estimated zip code population in 2019: 397
Zip code population in 2010: 416
Zip code population in 2000: 419

Houses and condos: 1,027
Renter-occupied apartments: 7
% of renters here:

15%
State:

46%
March 2019 cost of living index in zip code 12108: 95.5 (near average, U.S. average is 100)

Land area: 141.6 sq. mi.
Water area: 7.2 sq. mi.
Population density: 3 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 12108
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Real estate property taxes paid for housing units in 2019:
This zip code:

0.8% ($1,434)
New York:

1.7% ($5,732)
Median real estate property taxes paid for housing units with mortgages in 2019: $2,433 (1.1%)
Median real estate property taxes paid for housing units with no mortgage in 2019: $1,265 (0.8%)

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Males: 289  (72.8%)
Females: 108  (27.2%)

For population 25 years and over in 12108:

  • High school or higher: 40.9%
  • Bachelor's degree or higher: 2.3%
  • Graduate or professional degree: 1.2%
  • Unemployed: 7.8%
  • Mean travel time to work (commute): 25.5 minutes

For population 15 years and over in 12108:

  • Never married: 26.2%
  • Now married: 16.8%
  • Separated: 0.0%
  • Widowed: 48.5%
  • Divorced: 8.6%

Zip code 12108 compared to state average:

  • Median house value below state average.
  • Unemployed percentage above state average.
  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Median age significantly above state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • House age below state average.
  • Number of college students below state average.
  • Percentage of population with a bachelor's degree or higher significantly below state average.
  • Races in zip code 12108 (2019)
    • 40797.8%White
    • 41.0%Two or more races
    • 30.7%Hispanic or Latino
    • 10.2%Black
    • 10.2%American Indian
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Discuss zip code 12108 area on our local forum with over 2,200,000 registered users
100% rural population.

Estimated median house/condo value in 2019: $179,684
12108:

$179,684
New York:

$338,700
Median resident age:
This zip code:

66.2 years
New York median age:

39.2 years
Average household size:
This zip code:

8.4 people
New York:

2.5 people

Averages for the 2012 tax year for zip code 12108, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $57,995 (Individual Income Tax Returns)
Here:

$57,995
State:

$77,088

Salary/wage: $42,557 (reported on 66.7% of returns)
Here:

$42,557
State:

$60,593
(% of AGI for various income ranges: 50.0% for AGIs below $25k, 55.7% for AGIs $25k-50k, 109.2% for AGIs $50k-75k, 41.0% for AGIs $100k-200k)

Taxable interest for individuals: $460 (reported on 47.6% of returns)
This zip code:

$460
New York:

$3,125
(% of AGI for various income ranges: 1.2% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.2% for AGIs $100k-200k)

Ordinary dividends: $2,943 (reported on 33.3% of returns)
Here:

$2,943
State:

$10,299

Net capital gain/loss in AGI: +$150 (reported on 19.0% of returns)
Here:

+$150
State:

+$42,474

Profit/loss from business: +$5,533 (reported on 14.3% of returns)
Here:

+$5,533
State:

+$16,168

Taxable individual retirement arrangement distribution: $7,633 (reported on 14.3% of returns)
12108:

$7,633
New York:

$17,621

Total itemized deductions: $22,829 (23% of AGI, reported on 33.3% of returns)
Here:

$22,829
State:

$34,985

Here:

23.4% of AGI
State:

21.3% of AGI
(% of AGI for various income ranges: 50.7% for AGIs below $25k, 20.0% for AGIs $50k-75k, 16.2% for AGIs $100k-200k)

Charity contributions: $2,867 (reported on 28.6% of returns)
Here:

$2,867
State:

$5,572

Taxes paid: $10,400 (reported on 33.3% of returns)
12108:

$10,400
State:

$18,656
(% of AGI for various income ranges: 15.3% for AGIs below $25k, 10.2% for AGIs $50k-75k, 8.1% for AGIs $100k-200k)

Earned income credit: $1,750 (reported on 9.5% of returns)
Here:

$1,750
State:

$2,230
(% of AGI for various income ranges: 4.7% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2012 taxes: 57.1%
Here:

57%
State:

66%
(% for various income ranges: 50.0% for AGIs below $25k, 57.1% for AGIs $25k-50k, 100.0% for AGIs $50k-75k, 66.7% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 12108, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $46,608 (Individual Income Tax Returns)
Here:

$46,608
State:

$59,519

Salary/wage: $29,937 (reported on 72.5% of returns)
Here:

$29,937
State:

$50,673
(% of AGI for various income ranges: 112.6% for AGIs below $10k, 61.3% for AGIs $10k-25k, 58.5% for AGIs $25k-50k, 53.7% for AGIs $50k-75k, 58.2% for AGIs $75k-100k, 22.8% for AGIs over 100k)

Taxable interest for individuals: $879 (reported on 68.8% of returns)
This zip code:

$879
New York:

$2,377
(% of AGI for various income ranges: 2.0% for AGIs below $10k, 4.3% for AGIs $10k-25k, 1.8% for AGIs $25k-50k, 0.9% for AGIs $50k-75k, 0.9% for AGIs $75k-100k, 0.5% for AGIs over 100k)

Taxable dividends: $3,571 (reported on 43.8% of returns)
Here:

$3,571
State:

$5,394
(% of AGI for various income ranges: 6.6% for AGIs below $10k, 7.7% for AGIs $10k-25k, 4.8% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 3.1% for AGIs over 100k)

Net capital gain/loss: +$4,730 (reported on 30.8% of returns)
Here:

+$4,730
State:

+$23,581
(% of AGI for various income ranges: -4.0% for AGIs below $10k, 1.0% for AGIs $25k-50k, -0.1% for AGIs $50k-75k, 9.0% for AGIs over 100k)

Total itemized deductions: $18,718 (21% of AGI, reported on 29.6% of returns)
Here:

$18,718
State:

$25,864

Here:

20.6% of AGI
State:

21.9% of AGI
(% of AGI for various income ranges: 15.4% for AGIs $25k-50k, 11.5% for AGIs $50k-75k, 16.6% for AGIs $75k-100k, 11.3% for AGIs over 100k)

Charity contributions deductions: $3,044 (3% of AGI, reported on 28.3% of returns)
Here:

$3,044
State:

$4,439

Here:

3.2% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 1.2% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 2.7% for AGIs $75k-100k, 2.4% for AGIs over 100k)

Total tax: $6,941 (reported on 77.1% of returns)
12108:

$6,941
State:

$11,730
(% of AGI for various income ranges: 3.3% for AGIs below $10k, 3.7% for AGIs $10k-25k, 6.4% for AGIs $25k-50k, 8.5% for AGIs $50k-75k, 10.7% for AGIs $75k-100k, 19.2% for AGIs over 100k)

Earned income credit: $1,000 (reported on 8.3% of returns)
Here:

$1,000
State:

$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 62.9%
Here:

63%
State:

67%
(% for various income ranges: 41.9% for AGIs below $10k, 65.5% for AGIs $10k-25k, 70.3% for AGIs $25k-50k, 64.9% for AGIs $50k-75k, 65.0% for AGIs $75k-100k, 72.2% for AGIs over 100k)

Estimated median household income in 2019:
This zip code:

$77,117
New York:

$72,108
Speculator, NY (12108) map Nearest zip codes: 12164, 12139, 12842, 12190, 12864, 13353.
Speculator Zip Code Map

Percentage of family households:
This zip code:

44.0%
New York:

43.7%
Percentage of households with unmarried partners:
This zip code:

0.0%
New York:

43.3%
No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 0
Household did not receive Food Stamps/SNAP in the past 12 months: 47


Women who did not have a birth in the past 12 months: 78 (4 now married, 74 unmarried)


Housing units in zip code 12108 with a mortgage: 10 (2 home equity loan)
Houses without a mortgage: 30

Median monthly owner costs for units with a mortgage: $941
Median monthly owner costs for units without a mortgage: $487

Residents with income below the poverty level in 2019:
This zip code:

4.7%
Whole state:

13.0%
Residents with income below 50% of the poverty level in 2019:
This zip code:

0.7%
Whole state:

7.1%
Median number of rooms in houses and condos:
Here:

6.3
State:

6.4
Median number of rooms in apartments:
Here:

5.9
State:

3.8
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 12108: Sled Harbor (A), Lake Pleasant Golf Course (B), Hamilton Golf Course (C), Miami River Leanto (D), Perkins Clearing (E), Camp Number Twenty-two (F), Camp Number Nineteen (G), Camp Agaming (H), Camp (I), Sacandaga Camp (J), Lake Pleasant Town Hall (K), Lake Pleasant Volunteer Fire Department (L). Display/hide their locations on the map

    Churches in zip code 12108 include: Lake Pleasant Methodist Church (A), Saint James Church (B). Display/hide their locations on the map

    Cemeteries: South Side Lake Cemetery (1), Fish Mountain Cemetery (2). Display/hide their locations on the map

    Lakes, reservoirs, and swamps: Mason Lake (A), Mud Lake (B), Oxbow Lake (C), Lake Pleasant (D), Sacandaga Lake (E), Sand Lake (F), Lake Sound (G), Vly Lake (H). Display/hide their locations on the map

    Streams, rivers, and creeks: Page Brook (A), Shamberger Brook (B), Payne Brook (C), Burnt Place Brook (D), Gallop Creek (E), Freemont Brook (F), Wilson Brook (G), Pease Brook (H), Willow Brook (I). Display/hide their locations on the map

    Beach: Moffit Beach (A). Display/hide its location on the map

Year house built
  • Year house built (houses)
  • 132014 or later
  • 102010 to 2013
  • 852000 to 2009
  • 1891990 to 1999
  • 1181980 to 1989
  • 1831970 to 1979
  • 1361960 to 1969
  • 671950 to 1959
  • 661940 to 1949
  • 1491939 or earlier

Zip code 12108 satellite photo by USGS

Owner-occupied Renter-occupied
Bedrooms in owner-occupied houses and condos in Speculator, NY (12108)
  • Bedrooms in owner-occupied houses and condos in Speculator, NY (12108)
  • 0no bedroom
  • 01 bedroom
  • 22 bedrooms
  • 323 bedrooms
  • 24 bedrooms
  • 35+ bedrooms
Bedrooms in renter-occupied apartments in Speculator, NY (12108)
  • Bedrooms in renter-occupied apartments in Speculator, NY (12108)
  • 0no bedroom
  • 01 bedroom
  • 62 bedrooms
  • 03 bedrooms
  • 14 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied
Cars and other vehicles available in Speculator, NY (12108) in owner-occupied houses/condos
  • Cars and other vehicles available in Speculator, NY (12108) in owner-occupied houses/condos
  • 0no vehicle
  • 231 vehicle
  • 42 vehicles
  • 93 vehicles
  • 34 vehicles
  • 05+ vehicles
Cars and other vehicles available in Speculator, NY (12108) in renter-occupied apartments
  • Cars and other vehicles available in Speculator, NY (12108) in renter-occupied apartments
  • 0no vehicle
  • 11 vehicle
  • 62 vehicles
  • 03 vehicles
  • 04 vehicles
  • 05+ vehicles

  • Zip code 12108 household income distribution in 2019

  • Zip code 12108 household income distribution in 2019
  • 2Less than $10,000
  • 2$15,000 to $19,999
  • 5$25,000 to $29,999
  • 5$40,000 to $44,999
  • 7$60,000 to $74,999
  • 13$75,000 to $99,999
  • 6$100,000 to $124,999
  • 3$125,000 to $149,999
  • Estimate of home value of owner-occupied houses/condos in 2019 in zip code 12108

  • Estimate of home value of owner-occupied houses/condos in 2019 in zip code 12108
  • 2Less than $10,000
  • 5$70,000 to $79,999
  • 3$100,000 to $124,999
  • 5$125,000 to $149,999
  • 2$175,000 to $199,999
  • 9$200,000 to $249,999
  • 5$250,000 to $299,999
  • 2$400,000 to $499,999
  • Rent paid by renters in 2019 in zip code 12108

  • Rent paid by renters in 2019 in zip code 12108
  • 4$600 to $649

Median gross rent in 2019: $914.


Median price asked for vacant for-sale houses and condos in 2019: $869,818.

Estimated median house (or condo) value in 2019 for:

  • White Non-Hispanic householders: $174,989

Estimated median house or condo value in 2019: $179,684
12108:

$179,684
New York:

$338,700
Lower value quartile - upper value quartile: $117,390 - $250,547

Mean price in 2019:

Detached houses: $180,637
Here:

$180,637
State:

$393,458
Owners and renters by unit type in zip code 12108
Breakdown of mean house values by ages of householders

Housing units in structures:

  • One, detached: 776
  • 3 or 4: 7
  • Mobile homes: 236

Unemployment: 7.8%

  • Means of transportation to work in zip code 12108

  • Means of transportation to work in zip code 12108
  • 95.6%108Drove a car alone
  • 0.9%1Carpooled
  • 2.7%3Other means
  • Travel time to work (commute) in zip code 12108

  • Travel time to work (commute) in zip code 12108
  • 6Less than 5 minutes
  • 545 to 9 minutes
  • 115 to 19 minutes
  • 335 to 39 minutes
  • 240 to 44 minutes
  • 4145 to 59 minutes
  • 160 to 89 minutes
  • 390 or more minutes

Percentage of zip code residents living and working in this county: 53.1%

Household type by relationship:

Households: 397
  • Male householders: 41 (3 living alone), Female householders: 6 (0 living alone)
  • 25 spouses (25 opposite-sex spouses), 0 unmarried partners, (0 opposite-sex unmarried partners), 113 children (113 natural, 0 adopted, 0 stepchildren), 13 grandchildren, 55 brothers or sisters, 64 parents, 0 foster children, 64 other relatives, 11 non-relatives
  • In group quarters: 4 (-1 institutionalized population)

Size of family households: 22 2-persons, 6 3-persons, 9 4-persons, 2 5-persons, 1 6-persons

Size of nonfamily households: 3 1-person

11 married couples with children.
1 single-parent households (1 women).

101.5% of residents of 12108 zip code speak English at home.

Foreign born population: 0 (0.0%)
:

0.0%
Whole state:

22.4%
Most common first ancestries reported in 12108
  • 41%American
  • 14%German
  • 2%French Canadian
  • 1%Dutch
  • 1%Irish

Facilities with environmental interests located in this zip code:

  • HAMILTON COUNTY HIGHWAY DEPARTMENT (ROUTE 8 in LAKE PLEASANT, NY)
    (Integrated Compliance Information System) - ICIS-02-2006-7909, ENFORCEMENT/COMPLIANCE ACTIVITY
    FORMAL ENFORCEMENT ACTION (Integrated Compliance Information System) - ICIS-02-2006-7909, ENFORCEMENT/COMPLIANCE ACTIVITY
  • HAMILTON LAKE SIMINAR CENTER INTL PAPER (HAMILTON LAKE RD RTE 8 OFF in LAKE PLEASANT, NY)
    Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
    Organizations: INTERNATIONAL PAPER CO (CONTACT/OWNER)

Zip code 12108 marital status for males
Zip code 12108 marital status for females

Housing units lacking complete plumbing facilities: 3.2%
Housing units lacking complete kitchen facilities: 2.8%

Most commonly used house heating fuel
  • 37.6%Bottled, tank, or LP gas
  • 24.3%Electricity
  • 15.5%Fuel oil, kerosene, etc.
  • 8.8%Wood
  • 8.8%Other fuel
  • 6.6%Solar energy

Population in 1990: 487.

Place of birth for U.S.-born residents:

  • This state: 303
  • Northeast: 68
  • Midwest: 3
  • South: 19

77% of the 12108 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 56% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

96% of the 12108 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 86% moved from this county.
   Out of people who lived in different houses, 7% moved from different county within same state.
   Out of people who lived in different houses, 7% moved from different state.

Year householders moved into unit in Speculator, NY (12108)

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 2
Here:

20.1%
New York:

14.3%
Students in private schools in grades 9 to 12 (high school): 4
Here:

50.3%
New York:

14.8%
Students in private undergraduate colleges: 10
Here:

91.5%
New York:

37.4%
Educational Attainment in 2019
School Enrollment by Level of School in 2019
Class of Workers in 2019

Top industries in this zip code by the number of employees in 2005:

  • Construction: New Single-Family Housing Construction (except Operative Builders) (10-19 employees: 1 establishment)
  • Management of Companies and Enterprises: Corporate, Subsidiary, and Regional Managing Offices (10-19: 1)
  • Construction: Residential Remodelers (1-4: 2)
  • Arts, Entertainment, and Recreation: Marinas (1-4: 1)
  • Arts, Entertainment, and Recreation: Golf Courses and Country Clubs (1-4: 1)
  • Other Services (except Public Administration): Religious Organizations (1-4: 1)
  • Real Estate and Rental and Leasing: Lessors of Residential Buildings and Dwellings (1-4: 1)
  • Accommodation and Food Services: Full-Service Restaurants (1-4: 1)

Age and Sex of Sensory-Disabled Noninstitutionalized Residents
Age and Sex of Physically-Disabled Noninstitutionalized Residents
Age and Sex of Mentally-Disabled Noninstitutionalized Residents
Age and Sex of Self-Care Disabled Noninstitutionalized Residents
Age and Sex of Go-Outside-Home Disabled Noninstitutionalized Residents
Age and Sex of Noninstitutionalized Residents with Employment Disability

People in group quarters in 2000:

  • 3 people in local jails and other confinement facilities (including police lockups)

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 1
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 0
Most common first names in zip code 12108 among deceased individuals
NameCountLived (average)
George1074.7 years
William1077.1 years
John873.1 years
Frank787.1 years
Albert474.7 years
James470.3 years
Joseph484.8 years
Mary474.0 years
Clarence391.4 years
Leo371.3 years
Most common last names in zip code 12108 among deceased individuals
Last nameCountLived (average)
Parslow584.4 years
Buyce472.2 years
Maloney367.0 years
Aird367.3 years
Courtney363.7 years
Mccarthy372.7 years
Rogers371.0 years
Smith359.7 years
Rudes374.7 years
Lamphear286.5 years
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