Speculator, NY population, income and ZIP codes

Speculator village is a very small community in New York, with 389 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #1114 of 1,292 ranked by population — larger than 13% of them. The median age here is 60 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Speculator village earn a median of $63,839 a year, 18.7% below the national figure of $78,538 and 30% below the $91,806 median for the 847 New York cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 16.2% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Speculator village is valued at $192,200, 36.7% below the national figure and 39% below the $315,800 peer median, while median gross rent runs $1,045 a month, 25.7% below the national figure, or roughly $12,540 across a full year. A household on the local median income would put about 19.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 63.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 60 puts Speculator village well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 389 residents, a handful of survey responses moves every median on this page. Compare Speculator village against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.