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12164 Zip Code Detailed Profile

 


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City: Speculator, NY (79.11%)
County: Hamilton County, NY

Zip code population in 2010: 572
Zip code population (2000): 476


Age and Sex of Residents in zip code 12164

Zip code 12164 (Speculator, New York) real estate house value trends

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Houses and condos: 404
Renter-occupied apartments: 27
% of renters here:

31%
State:

45%

Mar. 2012 cost of living index in zip code 12164: 90.3 (less than average, U.S. average is 100)

Land area: 46.4 sq. mi.
Water area: 2.8 sq. mi.
Population density: 12 people per square mile 
 
  (very low).

Real estate property taxes paid for housing units in 2010:
This zip code:

0.8% ($1,339)
New York:

1.3% ($3,937)

Median real estate property taxes paid for housing units with mortgages in 2010: $1,408 (0.9%)
Median real estate property taxes paid for housing units with no mortgage in 2010: $1,229 (0.7%)

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Males: 84  (47.3%)
Females: 93  (52.7%)

Zip code 12164 races chart

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12164, NY forum
Recent posts about zip code 12164 area on our local forum with over 1,500,000 registered users:
Moving to Adirondacks from NYC  (72 replies)
Daytrips near Albany  (5 replies)
Quasi New England?  (36 replies)
2012 Fireworks Events ~ Upstate New York State >> Western-Finger Lakes-Northern-Mohawk Valley-Adirondacks-Central  (7 replies)
Mountain biking in the Adirondacks  (0 replies)
Fall foliage in the ADK  (3 replies)
100% rural population.

Estimated median house/condo value in 2010: $159,700
12164:

$159,700
New York:

$304,100
Median resident age:
This zip code:

48.3 years
New York median age:

37.9 years

Average household size:
This zip code:

2.0 people
New York:

2.6 people

Averages for the 2004 tax year for zip code 12164, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $34,700 (Individual Income Tax Returns)
Here:

$34,700
State:

$59,519

Salary/wage: $29,034 (reported on 79.3% of returns)
Here:

$29,034
State:

$50,673
(% of AGI for various income ranges: 81.3% for AGIs below $10k, 67.5% for AGIs $10k-25k, 78.9% for AGIs $25k-50k, 60.6% for AGIs $50k-75k, 54.3% for AGIs $75k-100k)

Taxable interest for individuals: $1,097 (reported on 58.7% of returns)
This zip code:

$1,097
New York:

$2,377
(% of AGI for various income ranges: 2.8% for AGIs below $10k, 3.5% for AGIs $10k-25k, 2.0% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 0.5% for AGIs $75k-100k)

Taxable dividends: $3,244 (reported on 30.0% of returns)
Here:

$3,244
State:

$5,394
(% of AGI for various income ranges: 7.0% for AGIs below $10k, 1.9% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 5.2% for AGIs $75k-100k)

Net capital gain/loss: +$3,597 (reported on 20.7% of returns)
Here:

+$3,597
State:

+$23,581

Profit/loss from business: +$2,308 (reported on 13.0% of returns)
Here:

+$2,308
State:

+$13,809

Total itemized deductions: $15,329 (28% of AGI, reported on 25.3% of returns)
Here:

$15,329
State:

$25,864

Here:

28.4% of AGI
State:

21.9% of AGI
(% of AGI for various income ranges: 15.9% for AGIs $10k-25k, 6.2% for AGIs $25k-50k, 13.3% for AGIs $50k-75k, 14.5% for AGIs $75k-100k)

Charity contributions deductions: $3,000 (6% of AGI, reported on 23.7% of returns)
Here:

$3,000
State:

$4,439

Here:

5.6% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 1.8% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 3.5% for AGIs $50k-75k, 2.6% for AGIs $75k-100k)

Total tax: $3,498 (reported on 77.7% of returns)
12164:

$3,498
State:

$11,730
(% of AGI for various income ranges: 3.2% for AGIs below $10k, 5.0% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 8.2% for AGIs $50k-75k, 10.6% for AGIs $75k-100k)

Earned income credit: $1,133 (reported on 10.0% of returns)
Here:

$1,133
State:

$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 63.0%
Here:

63%
State:

67%
(% for various income ranges: 55.7% for AGIs below $10k, 69.0% for AGIs $10k-25k, 60.0% for AGIs $25k-50k, 70.5% for AGIs $50k-75k, 62.1% for AGIs $75k-100k)


Estimated median household income in 2010:
This zip code:

$45,417
New York:

$55,217

Speculator, NY (12164) map

Nearest zip codes: 12108, 12190, 12864, 12842, 12856, 12139.
Speculator Zip Code Map

Percentage of family households:
This zip code:

47.6%
New York:

49.7%


Housing units in zip code 12164 with a mortgage: 25 (2 second mortgage, 3 home equity loan, 1 both second mortgage and home equity loan)
Houses without a mortgage: 35

Median monthly owner costs for units with a mortgage: $1,328

Median monthly owner costs for units without a mortgage: $389

Residents with income below the poverty level in 2010:
This zip code:

12.6%
Whole state:

14.4%

Residents with income below 50% of the poverty level in 2010:
This zip code:

12.5%
Whole state:

7.9%

Median number of rooms in houses and condos:
Here:

6.1
State:

6.4

Median number of rooms in apartments:
Here:

4.0
State:

3.9


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

Notable locations in zip code 12164: Camp of the Woods (A), Speculator Fire Department (B). Display/hide their locations on the map

Church in zip code 12164: Grace United Methodist Church (A). Display/hide its location on the map

Lakes: Owl Pond (A), Panther Pond (B), Pine Lakes (C), Whitaker Lake (D), Dug Mountain Ponds (E), Echo Lake (F), Elm Lake (G), Gilman Lake (H). Display/hide their locations on the map

Streams, rivers, and creeks: Woodland Brook (A), Whiskey Brook (B), Kunjamuk River (C), Dug Mountain Brook (D), Cherry Brook (E), Cannon Brook (F), McGinn Brook (G), Jessup River (H). Display/hide their locations on the map

 

Year house built

  • 2005 or later: 3
  • 2000 to 2004: 26
  • 1990 to 1999: 53
  • 1980 to 1989: 21
  • 1970 to 1979: 71
  • 1960 to 1969: 48
  • 1950 to 1959: 66
  • 1940 to 1949: 41
  • 1939 or earlier: 70


Zip code 12164 satellite photo by USGS



Estimated household income distribution in 2009:

Zip code 12164 household income distribution in 2009

Zip code 12164 house/condo values in 2010

Estimate of home value of owner-occupied houses/condos in 2010 in zip code 12164:

  • Less than $10,000: 1
  • $20,000 to $24,999: 3
  • $25,000 to $29,999: 2
  • $50,000 to $59,999: 1
  • $60,000 to $69,999: 3
  • $80,000 to $89,999: 2
  • $90,000 to $99,999: 4
  • $100,000 to $124,999: 4
  • $125,000 to $149,999: 1
  • $150,000 to $174,999: 12
  • $175,000 to $199,999: 3
  • $200,000 to $249,999: 3
  • $250,000 to $299,999: 5
  • $300,000 to $399,999: 6
  • $500,000 to $749,999: 1
  • $750,000 to $999,999: 1

 



12164 rent paid by renters

Rent paid by renters in 2010 in zip code 12164:

  • $450 to $499: 1
  • $500 to $549: 1
  • $550 to $599: 2
  • $600 to $649: 1
  • $2,000 or more: 1
  • No cash rent: 18
 


Median price asked for vacant for-sale houses and condos in 2010: $332,000.

Estimated median house (or condo) value in 2010 for:

  • White Non-Hispanic householders: $149,384
  • Some other race householders: $207,223

Estimated median house or condo value in 2010: $159,700
12164:

$159,700
New York:

$304,100
Lower value quartile - upper value quartile: $87,500 - $255,400

Mean price in 2010:

Detached houses: $232,196
Here:

$232,196
State:

$345,011

In 2-unit structures: $270,651
Here:

$270,651
State:

$462,167

Mobile homes: $45,484
Here:

$45,484
State:

$65,188

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:

  • One, detached: 301
  • Two: 7
  • 3 or 4: 7
  • 5 to 9: 5
  • 20 to 49: 1
  • Mobile homes: 80
12164 zip code mode of transportation to work chart

Means of transportation to work

  • Drove a car alone: 73 (78%)
  • Carpooled: 0 (1%)
  • Bicycle: 0 (0%)
  • Walked: 16 (18%)
  • Other means: 1 (1%)
  • Worked at home: 2 (3%)
 

12164 zip code travel time to work (commute)

Travel time to work (commute)

  • Less than 5 minutes: 26
  • 5 to 9 minutes: 24
  • 10 to 14 minutes: 18
  • 15 to 19 minutes: 4
  • 20 to 24 minutes: 4
  • 25 to 29 minutes: 0
  • 30 to 34 minutes: 2
  • 35 to 39 minutes: 0
  • 40 to 44 minutes: 0
  • 45 to 59 minutes: 0
  • 60 to 89 minutes: 5
  • 90 or more minutes: 4
 

Percentage of zip code residents living and working in this county: 86.0%

Household type by relationship:

Households: 453
  • In family households: 358 (97 male householders, 31 female householders)
    114 spouses, 105 children (98 natural, 2 adopted, 5 stepchildren), 0 grandchildren, 4 brothers or sisters, 2 parents, 2 other relatives, 3 non-relatives
  • In nonfamily households: 95 (51 male householders (48 living alone)), 38 female householders (33 living alone)), 6 nonrelatives

Size of family households: 46 2-persons, 8 3-persons, 6 4-persons, 1 5-persons

Size of nonfamily households: 21 1-person, 3 4-persons

20 married couples with children.
5 single-parent households (2 men, 3 women).

97.1% of residents of 12164 zip code speak English at home.
0.6% of residents speak Spanish at home (100% very well).

Foreign born population: 2 (1.4%)
(53.8% of them are naturalized citizens)
This zip code:

1.4%
Whole state:

21.9%

Most common places of birth for the foreign-born residents:

  • United Kingdom (33%)
  • Germany (33%)
  • Canada (33%)

Year of entry for the foreign-born population

  • 2000 or later: 0
  • 1990 to 1999: 0
  • 1980 to 1989: 1
  • Before 1980: 1

Races in zip code 12164:

White population: 176
Black population: 1
American Indian population: 0
Asian population: 0
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 4
Two or more races population: 1
Hispanic or Latino population: 0

Zip code 12164 marital status for males
Zip code 12164 marital status for females


Housing units lacking complete plumbing facilities: 10.5%

Housing units lacking complete kitchen facilities: 6.1%

Most commonly used house heating fuel:

  • Fuel oil, kerosene, etc. (42%)
  • Bottled, tank, or LP gas (24%)
  • Wood (18%)
  • Electricity (15%)
  • Utility gas (2%)

Population in 1990: 400. Population change in the 1990s: +76 (+19.0%).

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

  • This state: 367
  • Northeast: 50
  • Midwest: 15
  • South: 5
  • West: 10

70% of the 12164 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 44% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

Year Householders Moved Into Unit:

Private vs. public school enrollment:

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

19.0%
New York:

14.0%

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

10.5%
New York:

12.8%

Students in private undergraduate colleges:
Here:

0.0%
New York:

36.6%

Educational Attainment (%)

School Enrollment by Level of School (%)


Class of Workers (%)


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

  • Construction: New Single-Family Housing Construction (except Operative Builders) (20-49 employees: 1 establishment, 1-4 employees: 1 establishment)
  • Other Services (except Public Administration): Religious Organizations (20-49: 1)
  • Accommodation and Food Services: Full-Service Restaurants (10-19: 1, 5-9: 1, 1-4: 2)
  • Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (10-19: 1, 1-4: 1)
  • Other Services (except Public Administration): General Automotive Repair (5-9: 1)
  • Accommodation and Food Services: Bed-and-Breakfast Inns (5-9: 1)

Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninst.)




22 people in homes for the mentally retarded



Most common first names in zip code 12164 among deceased individuals
NameCountLived (average)
Robert767.6 years
Charles771.9 years
James781.2 years
Margaret675.7 years
John669.0 years
Edward572.2 years
Helen483.7 years
Dorothy476.2 years
Herbert472.5 years
Mary484.7 years
Most common last names in zip code 12164 among deceased individuals
Last nameCountLived (average)
Page1380.9 years
Morrison579.2 years
Slack480.5 years
Bruso369.0 years
Lawrence384.0 years
Galusha375.0 years
Mayers355.0 years
Brooks385.7 years
Lamphear379.7 years
Osborne361.3 years

Businesses in zip code 12164

  • True Value: 2
  • U-Haul: 1



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