12108 Zip Code (Speculator, NY) Detailed Profile

Estimated zip code population in 2022: 401
Zip code population in 2010: 416
Zip code population in 2000: 419

Houses and condos: 707
Renter-occupied apartments: 41
March 2022 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).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $1,910 (0.9%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $2,581 (1.0%)

For population 25 years and over in 12108:

• High school or higher: 65.2%
• Bachelor's degree or higher: 19.0%
• Graduate or professional degree: 9.8%
• Mean travel time to work (commute): 13.8 minutes

For population 15 years and over in 12108:

• Never married: 31.5%
• Now married: 45.1%
• Separated: 5.7%
• Widowed: 11.8%
• Divorced: 5.9%

• 
• • 33584.0%White
  • 4411.0%Two or more races
  • 205.0%Black

100% rural population.

Averages for the 2020 tax year for zip code 12108, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $60,950 (Individual Income Tax Returns)

Here:	$60,950
State:	$90,930

Salary/wage: $37,664 (reported on 70.0% of returns)

Here:	$37,664
State:	$72,104

(% of AGI for various income ranges: 1007.5% for AGIs below $25k, 3136.7% for AGIs $25k-50k, 7076.7% for AGIs $50k-75k)

Taxable interest for individuals: $333 (reported on 45.0% of returns)

This zip code:	$333
New York:	$3,075

(% of AGI for various income ranges: 33.3% for AGIs $25k-50k, 13.3% for AGIs $50k-75k, 80.0% for AGIs $75k-100k)

Ordinary dividends: $2,657 (reported on 35.0% of returns)

Here:	$2,657
State:	$11,095

(% of AGI for various income ranges: 310.0% for AGIs $25k-50k, 465.0% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$1,425 (reported on 20.0% of returns)

Here:	+$1,425
State:	+$44,925

(% of AGI for various income ranges: 190.0% for AGIs $50k-75k)

Profit/loss from business: +$3,367 (reported on 15.0% of returns)

Here:	+$3,367
State:	+$14,940

(% of AGI for various income ranges: 336.7% for AGIs $25k-50k)

Taxable individual retirement arrangement distribution: $21,567 (reported on 15.0% of returns)

12108:	$21,567
New York:	$19,609

(% of AGI for various income ranges: 2156.7% for AGIs $50k-75k)

Earned income credit: $500 (reported on 10.0% of returns)

Here:	$500
State:	$2,138

(% of AGI for various income ranges: 25.0% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2020 taxes: 95.0%

Here:	95%
State:	95%

(% for various income ranges: 100.0% for AGIs below $25k, 100.0% for AGIs $25k-50k, 120.0% for AGIs $50k-75k, 0.0% for AGIs $75k-100k, 100.0% for AGIs $100k-200k)

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)

Nearest zip codes: 12164, 12139, 12842, 12190, 12864, 13353.
Speculator Zip Code Map

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: 128

Women who did not have a birth in the past 12 months: 108 (25 now married, 83 unmarried)

Housing units in zip code 12108 with a mortgage: 11 (2 second mortgage, 2 both second mortgage and home equity loan)
Houses without a mortgage: 6

Median monthly owner costs for units with a mortgage: $1,537
Median monthly owner costs for units without a mortgage: $549

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 12108 household income distribution in 2022

• 31$10,000 to $14,999
• 1$15,000 to $19,999
• 12$30,000 to $34,999
• 5$45,000 to $49,999
• 4$50,000 to $59,999
• 8$60,000 to $74,999
• 35$75,000 to $99,999
• 9$100,000 to $124,999
• 7$125,000 to $149,999
• 10$150,000 to $199,999

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 12108

• 3$80,000 to $89,999
• 2$90,000 to $99,999
• 3$100,000 to $124,999
• 5$125,000 to $149,999
• 19$150,000 to $174,999
• 12$200,000 to $249,999
• 8$250,000 to $299,999
• 11$300,000 to $399,999
• 10$400,000 to $499,999
• 9$500,000 to $749,999

• Rent paid by renters in 2022 in zip code 12108

• 4$650 to $699
• 23$700 to $749
• 12No cash rent

Median gross rent in 2022: $953.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $232,684

Estimated median house or condo value in 2022: $238,927 Lower value quartile - upper value quartile: $166,090 - $389,128

Mean price in 2022:

Detached houses: $108,367

Here:	$108,367
State:	$476,719

Housing units in structures:

• One, detached: 588
• 3 or 4: 11
• Mobile homes: 103

• Means of transportation to work in zip code 12108

• 80.8%139Drove a car alone
• 2.3%4Carpooled
• 5.8%10Streetcar or trolley car
• 1.2%2Walked
• 7.0%12Worked at home

• Travel time to work (commute) in zip code 12108

• 39Less than 5 minutes
• 565 to 9 minutes
• 1110 to 14 minutes
• 1015 to 19 minutes
• 120 to 24 minutes
• 1025 to 29 minutes
• 235 to 39 minutes
• 2145 to 59 minutes
• 160 to 89 minutes

Percentage of zip code residents living and working in this county: 83.7%

Household type by relationship:

Households: 401

• Male householders: 57 (10 living alone), Female householders: 74 (33 living alone)

• 75 spouses (75 opposite-sex spouses), 0 unmarried partners, (0 opposite-sex unmarried partners), 121 children (121 natural, 0 adopted, 0 stepchildren), 10 grandchildren, 9 brothers or sisters, 18 parents, 7 foster children, 11 other relatives, 0 non-relatives

• In group quarters: 18 (-1 institutionalized population)

Size of family households: 53 2-persons, 12 3-persons, 13 4-persons, 2 5-persons, 4 6-persons

Size of nonfamily households: 43 1-person

16 married couples with children.
0 single-parent households ().

99.0% of residents of 12108 zip code speak English at home.
0.8% of residents speak Spanish at home (67% well, 33% not at all).
0.3% of residents speak other Indo-European language at home (100% very well).

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)
  

Housing units lacking complete plumbing facilities: 6.5%
Housing units lacking complete kitchen facilities: 5.1%

Population in 1990: 487.

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

• This state: 251
• Northeast: 71
• Midwest: 19
• South: 33
• West: 21

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.

92% of the 12108 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 80% moved from this county.
   Out of people who lived in different houses, 4% moved from different county within same state.
   Out of people who lived in different houses, 12% moved from different state.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 2
Students in private schools in grades 9 to 12 (high school): 6 Students in private undergraduate colleges:

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)

Most common first names in zip code 12108 among deceased individuals
Name	Count	Lived (average)
George	10	74.7 years
William	10	77.1 years
John	8	73.1 years
Frank	7	87.1 years
Albert	4	74.7 years
James	4	70.3 years
Joseph	4	84.8 years
Mary	4	74.0 years
Clarence	3	91.4 years
Leo	3	71.3 years

Most common last names in zip code 12108 among deceased individuals
Last name	Count	Lived (average)
Parslow	5	84.4 years
Buyce	4	72.2 years
Maloney	3	67.0 years
Aird	3	67.3 years
Courtney	3	63.7 years
Mccarthy	3	72.7 years
Rogers	3	71.0 years
Smith	3	59.7 years
Rudes	3	74.7 years
Lamphear	2	86.5 years