All Countries
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
Housing Overview
Median Home Value
$192,200
32% below
US avg: $281,900
Median Rent
$1,045/mo
10% below
US avg: $1,163/mo
Homeownership Rate
63.1%
4% below US avg (65.4%)
Total Housing Units
495
Median year built: 1972
Home Value by Source
Census Median
$192,200
Zillow (ZHVI)
$278,707
Census ACS, Zillow ZHVI, Redfin median sale price
Ownership vs. Renting
63.1%
Owner-Occupied
36.9%
Renter-Occupied
US avg: 65.4% owner-occupied
Fair Market Rents (HUD FY2026)
Studio
$1,215/mo
1 Bedroom
$1,315/mo
2 Bedroom
$1,579/mo
3 Bedroom
$1,976/mo
4 Bedroom
$2,193/mo
Census median rent:
$1,045/mo
Affordability & Housing Stock
Rent Burden
26.6%
of renters spending 30%+ of income on housing
14% below US avg (31.0%)
Median Year Built
1972
Average age of housing stock: 54 years
Homeownership Rate
63.1%
Complete Housing Data
Home Values
| Census Median Value | $192,200 |
| Zillow Home Value (ZHVI) | $278,707 |
Rent
| Census Median Rent | $1,045 |
| FMR Studio | $1,215 |
| FMR 1-Bedroom | $1,315 |
| FMR 2-Bedroom | $1,579 |
| FMR 3-Bedroom | $1,976 |
| FMR 4-Bedroom | $2,193 |
Market
Ownership & Stock
| Owner-Occupied | 63.1% |
| Renter-Occupied | 36.9% |
| Homeownership Rate | 63.1% |
| Total Housing Units | 495 |
| Median Year Built | 1972 |
| Rent Burden | 26.6% |