ZIP Code 12108 — Speculator village, NY Demographics & Data

ZIP code 12108 covers Speculator, NY in Hamilton County with a population of about 396.

At a glance, the area shows median age of 52.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 518, 838; U.S. House district NY-21; the ALBANY - SCHENECTADY - TROY media market.

Median household income in ZIP 12108 is about $76,786 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 0.0%; 28.1% of adults with a bachelor’s degree or higher (about 5.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Retail trade, and Construction; about 13.0% of workers reporting work-from-home (about 2.2 points below the U.S. share (15.2%)); a mean commute of about 147.0 minutes (U.S. average near 26.8).

Median home value is about $275,000 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $724 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 67.1% (about 1.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 12108 in Speculator, NY, a household would need roughly $76,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,767. That is roughly in line with the local median household income ($76,786). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Speculator village, NY as Very Low (composite score 15.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (46.9) and flood (41.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Speculator village, NY show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 17 for ZIP 12108 (Speculator village, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.