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Speculator, NY

New York

Speculator is a small town in New York with a population of 389. Residents earn $63,839 per year, which is 15% below the national average.

4.5 /5.0
A+ Excellent
389 Population 9/sq mi density
$63,839 Median Income $39,347 per capita
$192,200 Home Value $278,707 Zillow
$1,045 Median Rent 26.6% income on rent
41°F Avg Temperature 246 sunny days/yr
A+
Overall
4.5 / 5.0
Excellent overall score based on economy, affordability, safety and education
A
Economy
4.2 / 5.0
$63,839 median income, 1.7% unemployment
A+
Affordability
5.0 / 5.0
$192,200 home value, $1,045/mo rent
A
Education
4.3 / 5.0
40.8% bachelor's degree or higher
Median Income $63,839
15% lower than US avg
Home Value $192,200
32% lower than US avg
Bachelor's+ 40.8%
21% higher than US avg
Median Rent $1,045
10% lower than US avg
Obesity Rate 30.7%
4% lower than US avg
Unemployment 1.7%
53% lower than US avg
Poverty Rate 6.0%
52% lower than US avg

How Speculator Compares to the U.S. Average (100% = U.S. avg)

People

Population389
Median Age60.0 yrs
Density9/mi²
Male / Female46% / 54%
Largest GroupWhite 96%
Veterans8.1%

Economy

A
Median Income$63,839
Per Capita$39,347
Unemployment1.7%
Poverty6.0%
County GDP$297M
Commute12 min

Housing

A+
Home Value$192,200
Rent$1,045
OwnershipN/A
Zillow$278,707
Housing Units495
Rent Burden26.6%

Health

Obesity30.7%
Uninsured5.9%
Smoking13.8%
Depression21.3%
Heart Disease5.3%

Climate

Avg Temp41°F (5°C)
AQI36 (Good)
Rain43.6 in/yr
Sunny Days246/yr
Elevation2,152 ft (656 m)

Education

A
Bachelor's+40.8%
High School+96.2%
Graduate+27.7%
School Score5.39

Community

2024 VoteR 65% / D 35%
Commute12 min
Broadband95.3%
EV Stations4
Libraries5

Is Speculator a Good Place to Live?

Based on current data, Speculator receives an overall livability score of 4.5 out of 5.0, earning a grade of A+. Key strengths include low unemployment, a highly educated population, affordable housing, abundant sunshine. Speculator stands out as an excellent place to live, with strong marks across most quality-of-life indicators.

Economy & Jobs

The median household income in Speculator is $63,839, 15% below the national average of $75,149. The job market is very strong with unemployment at just 1.7%. Only 6.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 12 minutes, shorter than most U.S. cities.

Cost of Living & Housing

The median home value in Speculator is $192,200, 32% below the national median — offering relatively affordable homeownership. Renters pay a median of $1,045 per month, below the national average — a plus for affordability. At just 3x median income, home prices are very affordable relative to local earnings.

Education

Educational attainment is solid, with 40.8% holding a bachelor's degree or higher, near the national average. 96.2% have completed high school. Area schools have an average test score of 5.4/10.

Climate & Weather

Speculator has a cool climate with an average annual temperature of 41°F. Winters average 16°F in January while summers reach 64°F in July. The area gets 246 sunny days per year. Annual precipitation totals 43.6 inches, including 101.5 inches of snow. Air quality is rated Good with a median AQI of 36.

Speculator has a population of 389 with a density of 9 people per square mile. The median age is 60.0 years, 54% older than the national median of 38.9. The city is predominantly White (96.1%).

Population

389
Total Population
9
People / sq mi
60.0yrs
Median Age
54% above US avg
44.6mi²
Land Area

Gender Distribution

Male 46%
Female 54%

Race & Ethnicity

Speculator vs U.S. Average

Language Spoken at Home

English Only94.8%
21% above US avg
Spanish5.2%
61% below US avg

Social Characteristics

Speculator vs U.S. Average

The median household income in Speculator is $63,839, which is 15% below the national average of $75,149. The unemployment rate is 1.7% (below the 3.6% US average). 6.0% of residents live below the poverty line. Workers commute an average of 12 minutes.

Income: Speculator vs U.S.

Commute Mode

Income

Median HH Income$63,839
15% below US avg
Per Capita Income$39,347
Avg Weekly Wage$960
IRS Avg AGI$70,676

Employment & Poverty

Unemployment1.7%
53% below US avg
Poverty Rate6.0%
52% below US avg
Establishments (County)230
County GDP$297M

Business (County)

Restaurants55
Healthcare5
Retail33
Manufacturing4

Tax & Cost of Living

Property Tax (IRS)$7,115
103% above US avg
Cost of Living107.90 (100=avg)
Effective Tax Rate3.70%

Commute & Transportation

Commute Time11.9 min
Drive Alone58.5%
Public Transit5.7%
Work from Home7.5%

Walkability

The median home value in Speculator is $192,200, 32% below the national average. Monthly rent averages $1,045 (10% below US avg). Zillow estimates the typical home value at $278,707.

Home Value Sources

Ownership Split

Home Values

Census Median$192,200
32% below US avg
Zillow ZHVI$278,707

Real Estate Market (Redfin)

Rental Costs

Census Median Rent$1,045
10% below US avg
Rent Burden26.6%

HUD Fair Market Rent

Studio$1,215
1 Bedroom$1,315
2 Bedrooms$1,579
3 Bedrooms$1,976
4 Bedrooms$2,193

Ownership & Property

Owner-Occupied63.1%
Housing Units495
Median Year Built1972

Property Tax

Avg Tax (IRS)$7,115
103% above US avg
Effective Rate3.70%
In Speculator, 30.7% of adults are obese (below the 32.1% national rate). 5.9% of residents lack health insurance. 13.8% are current smokers. 21.3% report depression. 23.2% are physically inactive.

Health Metrics: Speculator vs U.S. Average (%)

Chronic Conditions

Obesity30.7%
4% below US avg
Diabetes8.7%
Heart Disease5.3%
High Blood Pressure30.1%
Asthma10.9%
COPD6.1%
Cancer7.5%
Stroke2.9%

Behaviors & Mental Health

Smoking13.8%
1% below US avg
Binge Drinking20.1%
Physical Inactivity23.2%
Depression21.3%
Mental Distress17.4%
Physical Distress12.4%
Short Sleep35.2%

Healthcare Access

Insurance Rate98.2%
Uninsured5.9%
31% below US avg
Checkup Rate77.7%
Dental Visits68.5%
Premature Death6,514/100K

Food & Exercise

Food Environment7.5/10
Exercise Access100.0%
Healthcare Facilities5
Speculator has an average annual temperature of 41°F (5°C). Winters average 16°F in January while summers reach 64°F in July. Annual precipitation is 43.6 inches. The area enjoys 246 sunny days per year. Air quality is rated Good with a median AQI of 36.

Temperature

16°F Jan (-9°C) 64°F Jul (18°C)
Annual Average41.0°F
24% below US avg
January Average16°F (-9°C)
July Average64°F (18°C)
Sunny Days246 days/yr

Precipitation & Snow

Annual Rainfall43.6 inches
15% above US avg
Snowfall101.5 inches/yr

Air Quality

AQI Median36.0
RatingGood

Geography

Elevation2,152 ft (656 m)
Area44.6 sq mi (115.5 km²)
Population Density9/sq mi
Coordinates43.5760°N, 74.3562°W
TimezoneAmerica/New_York
County FIPS36041
It is classified as Nonmetro — Rural, adjacent. 40.8% of residents hold a bachelor's degree or higher (21% above US avg). In the 2024 election, the county voted Republican by a 29.5-point margin. 95.3% of households have broadband internet.

2024 Presidential Election (County)

R 64.7%
D 35.3%

Winner: Republican by 29.5 points

Education

Bachelor's Degree+40.8%
21% above US avg
High School+96.2%
Graduate Degree+27.7%
School Test Score5.39
A Education Grade (4.3/5.0)

Urban-Rural Classification

RUCC Code 8Nonmetro — Rural, adjacent
Population Density9/sq mi
Total Area44.6 sq mi

Infrastructure & Services

Broadband Access95.3%
EV Charging Stations4
Alt Fuel Stations4
Public Libraries5
Healthcare Facilities5
Restaurants55
Retail Stores33

Safety & Disasters

Fatal Crashes (County/yr)2

Commute & Transportation

Avg Commute11.9 min
Drive Alone58.5%
Public Transit5.7%
Work from Home7.5%

Nearby Cities

Northville, NY 1,771 pop · 26.6 mi Warrensburg, NY 3,285 pop · 29.7 mi Lake Luzerne, NY 1,171 pop · 30.8 mi Hadley, NY 1,151 pop · 31.4 mi Mayfield, NY 1,009 pop · 33.1 mi Corinth, NY 2,568 pop · 34.9 mi Gloversville, NY 15,010 pop · 36.4 mi Broadalbin, NY 1,800 pop · 36.9 mi Glens Falls North, NY 9,148 pop · 37.6 mi West Glens Falls, NY 9,967 pop · 38.1 mi Dolgeville, NY 1,948 pop · 38.8 mi Johnstown, NY 8,153 pop · 39.3 mi Glens Falls, NY 14,678 pop · 40.1 mi South Glens Falls, NY 3,739 pop · 41.1 mi
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