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Speculator, NY
Full City Profile · New York · Hamilton County County
3.6
/5.0
B+
Good
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
256
Violent Crime/100K
4,442 property/100K
B+
Overall
3.6 / 5.0
Good 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
F
Safety
1.0 / 5.0
256 violent crimes/100K
A
Education
4.3 / 5.0
40.8% bachelor's degree or higher
Income Overview
Median Household Income
$63,839
15% below
US avg: $75,149
Per Capita Income
$39,347
1% above
US avg: $39,052
Unemployment Rate
1.7%
53% below
US avg: 3.6%
Poverty Rate
6.0%
52% below
US avg: 12.4%
Income Comparison: Speculator vs. U.S. Average
Each bar shows Speculator’s value as a percentage of the national average (100% line = U.S. avg)
Median Household
US: $75,149
$63,839
85%
Per Capita
US: $39,052
$39,347
101%
IRS Avg AGI
US: $72,000
$70,676
98%
Avg Weekly Wage
US: $1,432
$960
67%
Thin line = U.S. average (100%)
Employment & Commute
Avg Weekly Wage
$960
33% below US avg ($1,432)
Mean Commute Time
12 min
57% below US avg (28 min)
Work From Home
7.5%
51% below US avg (15.2%)
Drive Alone
58.5%
20% below US avg (73.2%)
Public Transit
5.7%
13% above US avg (5.0%)
County GDP
$297M
County-level GDP (BEA 2024)
How Residents Get to Work
Drive Alone
58.5%
Public Transit
5.7%
Work From Home
7.5%
Other
28.3%
Average commute time
12 minutes
US avg: 28 min
Business Landscape
Total Establishments
230
Restaurants
55
Healthcare
5
Retail
33
Manufacturing
4
Tax & Financial
IRS Avg Adjusted Gross Income
$70,676
2% below US avg ($72,000)
Avg Property Tax
$7,115
103% above US avg ($3,500)
Cost of Living Index
107.9
Above national average (100 = US avg)
Complete Economy Data
Income & Wages
| Median Household Income | $63,839 |
| Per Capita Income | $39,347 |
| IRS Avg Adjusted Gross Income | $70,676 |
| Avg Weekly Wage | $960 |
| County GDP | $297M |
Hardship Indicators
| Unemployment Rate | 1.7% |
| Poverty Rate | 6.0% |
| Gini Coefficient | 0.416 |
| Cost of Living Index | 107.9 |
Commute
| Mean Commute | 12 minutes |
| Drive Alone | 58.5% |
| Public Transit | 5.7% |
| Work From Home | 7.5% |
Businesses
| Total Establishments | 230 |
| Restaurants | 55 |
| Healthcare | 5 |
| Retail | 33 |
| Manufacturing | 4 |
Tax
| IRS Avg AGI | $70,676 |
| Avg Property Tax | $7,115 |