Living in Speculator, New York
Cost of living, income, home prices, rent and demographics of Speculator · Census data 2020–2024
Speculator has 409 residents with a median age of 55.8. The median household income is $63,864 (26% lower than the New York median), the median home value is $250,000, the median rent is $1,042/month.
Speculator is a small town, so Census survey estimates have wide margins of error. Treat percentages as approximate.
Speculator at a glance
- Population
- 409
- Median age
- 55.8State: 39.8
- Median household income
- $63,864State: $85,974
- Median home value
- $250,000State: $423,800
- Median rent
- $1,042/moState: $1,621
- Homeowners
- 62.9%
- Bachelor's degree or higher
- 52.6%
- Average commute
- 12 min
Is Speculator a good place to live?
Pros: Home values 41% lower than the state median; an average commute of 12 minutes; unemployment of 5.4%.
Cons: Median household income 26% lower than the New York median; a poverty rate of 25.7%.
The weather is best in June to September.
Cost of living in Speculator
Housing is the biggest part of the cost of living. In Speculator the median home value is $250,000, 25% lower than the U.S. median. Renters pay a median of $1,042 per month, which is 27.9% of household income. Homeowners with a mortgage pay $2,529 a month in housing costs.
Speculator median household income
The median household income in Speculator is $63,864 and the income per person is $43,003. 25.7% of residents live below the poverty line (New York: 14%).
Housing in Speculator: homes for sale and rent
- Housing units
- 537
- Owner-occupied
- 62.9%
- Renter-occupied
- 37.1%
- Vacant
- 66.9%Includes seasonal homes
- Median year built
- 1975
- Average household size
- 1.79
66.9% of homes are vacant most of the year, a sign that Speculator has many vacation and second homes.
Speculator demographics
- Population
- 409
- Median age
- 55.8
- Under 18
- 6.1%
- 65 and older
- 38.1%
- Households
- 178
- Foreign-born
- 1.7%
- Veterans
- 9.4%Adults 18+
Hispanic or Latino can be of any race. Population history of Speculator ›
Education in Speculator
52.6% of adults 25 and older in Speculator have a bachelor's degree or higher (New York: 40.2%), and 37.5% have a graduate or professional degree.
Jobs and commute in Speculator
- Unemployment rate
- 5.4%State: 6.4%
- Average commute
- 12 minState: 33 min
- Work from home
- 19.1%
- Drive alone
- 47.8%
- Public transit
- 4.5%
- Walk to work
- 26.1%
- Homes with broadband
- 96.1%
Speculator vs nearby towns
| Town | Population | Median income | Home value | Rent |
|---|---|---|---|---|
| Speculator | 409 | $63,864 | $250,000 | $1,042 |
| Wells | 581 | $87,946 | $272,900 | — |
| North Creek | 414 | $55,909 | $189,900 | $905 |
| Northville | 1,038 | $78,235 | $207,100 | $887 |
| Long Lake | 716 | $71,827 | $275,000 | $817 |
| Pottersville | 140 | $53,462 | $183,900 | — |
| Chestertown | 499 | $83,750 | $210,000 | $647 |
| Warrensburg | 3,194 | $57,245 | $165,300 | $894 |
| Lake Luzerne | 907 | $29,167 | $229,600 | $2,833 |
More for people moving to Speculator
Speculator ZIP code ›Weather and climate ›Living in Speculator: FAQ
What is the median household income in Speculator, NY?
The median household income in Speculator is $63,864, 26% lower than the New York median of $85,974 (U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024).
What is the average home price in Speculator?
The median home value in Speculator is $250,000, compared with $423,800 in New York.
How much is rent in Speculator?
The median gross rent in Speculator is $1,042 per month, about 27.9% of household income.
Is Speculator, NY a good place to live?
Pluses: home values 41% lower than the state median; an average commute of 12 minutes; unemployment of 5.4%. Minuses: median household income 26% lower than the New York median; a poverty rate of 25.7%.
What is the median age in Speculator?
The median age in Speculator is 55.8 years (New York: 39.8).
How long is the commute in Speculator?
The average commute to work in Speculator is 12 minutes; 19.1% of workers work from home.
What is the unemployment rate in Speculator?
The unemployment rate in Speculator is 5.4% (U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024).
How educated is Speculator?
52.6% of adults in Speculator have a bachelor's degree or higher.
Source: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (margins of error apply, especially in small towns). Figures are in 2024 dollars.
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