Housing data for the Village of Speculator, NY
The Village of Speculator, NY has an estimated 409 residents and 537 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a village in Hamilton County.
37.1% of households rent.
The median gross rent is $1,042 a month.
Figures last updated on .
- Residents
- 409 (±63)
- Housing units
- 537 (±73)
- Households that rent
- 37.1%
- Median gross rent
- $1,042
- Residents since 2015–2019
- +18.6%
What stands out in the Village of Speculator
Households that rent: 37.1% (±11.0 points) in the Village of Speculator, higher than in Hamilton County (17.6%).
Homes heated by fuel oil: 18.0% (±7.9 points) in the Village of Speculator, lower than in Hamilton County (36.7%).
Average commute: 11.5 minutes (±5.1) in the Village of Speculator, lower than in Hamilton County (22.6 minutes).
Housing in the Village of Speculator at a glance
- Median rent: $1,042 median gross rent a month (Small sample: wide margin of error)
- Rent burden: 41.2% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 37.1% of households rent (Small sample: wide margin of error)
- Income and affordability: $63,864 median household income (Small sample: wide margin of error)
- Home values: $250,000 median home value
- Homeowner costs: $2,529 median monthly cost with a mortgage (Small sample: wide margin of error)
- Property taxes: $3,208 median real estate taxes a year (Small sample: wide margin of error)
- Types of homes: 1.1% of homes are in buildings of 5 or more units
- Bedrooms: 58.0% of homes have 3 or more bedrooms
- Age of homes: 60.0% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 51.7% heat with propane (Small sample: wide margin of error)
- Commute and cars: 11.5 minutes average trip to work (Small sample: wide margin of error)
- Growth: +18.6% residents since 2015–2019 (Small sample: wide margin of error)
- How long people stay: 29.2% moved in since 2020 (Small sample: wide margin of error)
- Crowding and facilities: 0.0% of homes have more than 1 person per room (Small sample: wide margin of error)
The Village of Speculator against Hamilton County, its state and the nation
| Village of Speculator | Hamilton County | New York | United States | |
|---|---|---|---|---|
| Residents | 409 (±63) | 5,089 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 537 (±73) | 7,911 (±32) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 37.1% (±11.0 points) | 17.6% (±2.5 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | $1,042 (±$244) | $912 (±$66) | $1,621 (±$7) | $1,413 |
| Median household income | $63,864 (±$5,568) | $68,835 (±$5,478) | $85,974 (±$402) | $80,734 |
| Median home value | $250,000 (±$91,421) | $260,200 (±$15,097) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $3,208 (±$2,098) | $2,597 (±$163) | $6,582 (±$21) | $3,119 |
| Built before 1980 | 60.0% (±9.2 points) | 63.5% (±3.1 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 11.5 minutes (±5.1) | 22.6 minutes (±2.5) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 96.1% (±3.8 points) | 90.2% (±2.3 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 55.8 years (±10.7) | 58.1 years (±1.0) | 39.8 years (±0.1) | 38.9 years |
The Village of Speculator covers 44.6 square miles of land, about 9 residents per square mile (Census Bureau Gazetteer).
How the Village of Speculator has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 345 (±118) | 409 (±63) | +18.6% | Not a measurable change |
| Housing units | 529 (±44) | 537 (±73) | +1.5% | Not a measurable change |
| Median gross rent | $725 (±$275) | $1,042 (±$244) | +43.7% | No measurable change after inflation |
| Median home value | $144,400 (±$30,038) | $250,000 (±$91,421) | +73.1% | No measurable change after inflation |
| Median household income | $72,500 (±$15,448) | $63,864 (±$5,568) | −11.9% | Down after inflation |
| Median owner cost with a mortgage | $1,219 (±$363) | $2,529 (±$1,823) | +107.5% | No measurable change after inflation |
| Median real estate taxes | $1,800 (±$929) | $3,208 (±$2,098) | +78.2% | No measurable change after inflation |
| Households that rent | 19.0% (±10.0 points) | 37.1% (±11.0 points) | +18.1 percentage points | Measurable increase |
| Rental vacancy rate | 15.8% (±19.9 points) | 0.0% (±41.7 points) | −15.8 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Hamilton County
The Village of Speculator has no police department of its own in the FBI’s figures, so this is the figure for Hamilton County as a whole.
In 2025, the police departments that report for Hamilton County recorded 0 violent and 136 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
Places near the Village of Speculator
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Town of Lake Pleasant | 3.4 mi | $962 | $248,400 | 29.4% |
| Town of Wells | 7.8 mi | — | $268,600 | 8.3% |
| Town of Arietta | 12 mi | $1,639 | $273,700 | 13.9% |
| Town of Johnsburg | 15 mi | $942 | $215,600 | 18.0% |
| Town of Indian Lake | 15 mi | $825 | $254,800 | 20.2% |
| Town of Hope | 18 mi | $1,225 | $211,300 | 9.7% |
| Town of Morehouse | 19 mi | — | $129,200 | 13.2% |
| Town of Thurman | 19 mi | $2,175 | $197,400 | 7.9% |
Places in New York most like the Village of Speculator
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Town of Lake Pleasant | $962 | $248,400 | $64,091 | 29.4% |
| Town of Brighton (Franklin County) | $1,100 | $245,500 | $65,750 | 29.5% |
| Town of Delhi | $936 | $197,300 | $63,043 | 36.8% |
| Village of Tannersville | $1,317 | $283,900 | $78,750 | 41.7% |
| Houghton | $1,010 | $163,200 | $83,571 | 47.3% |
| Town of Hamilton | $1,265 | $240,800 | $75,398 | 32.7% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across New York.
HUD Fair Market Rent for the Village of Speculator, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $968 | $982 | $1,287 | $1,542 | $1,703 |
HUD income limits for the Village of Speculator, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $19,800 | $33,000 | $52,750 |
| 2 people | $22,600 | $37,700 | $60,300 |
| 3 people | $27,320 | $42,400 | $67,850 |
| 4 people | $33,000 | $47,100 | $75,350 |
| 5 people | $38,680 | $50,900 | $81,400 |
| 6 people | $44,360 | $54,650 | $87,450 |
| 7 people | $50,040 | $58,450 | $93,450 |
| 8 people | $55,720 | $62,200 | $99,500 |
These are the limits HUD sets for its housing programs in the Hamilton County, NY, where HUD’s median family income for fiscal year 2026 is $94,200.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Village of Speculator
What is the average home value in the Village of Speculator, NY?
The Census Bureau publishes the median: $250,000 (±$91,421) for owner-occupied homes in the Village of Speculator (2020–2024 American Community Survey).
How many homes are in the Village of Speculator?
The Village of Speculator, NY has an estimated 537 (±73) housing units, occupied and vacant (2020–2024 American Community Survey).
What is the most common home size in the Village of Speculator?
The most common size is 3 bedrooms, 36.1% of homes in the Village of Speculator, NY.
How old are most homes in the Village of Speculator?
60.0% of homes in the Village of Speculator, NY were built before 1980 (2020–2024 American Community Survey).
Is the Village of Speculator growing?
In the Village of Speculator, the number of residents went from 345 in 2015–2019 to 409 in 2020–2024 (+18.6%), not a measurable change.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Speculator village, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Speculator village, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Speculator village, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Speculator village, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Speculator village, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Speculator village, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Speculator village, New York
- HUD Fair Market Rents, fiscal year 2027: Hamilton County, NY
- HUD Income Limits, fiscal year 2026: Hamilton County, NY
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Speculator village, New York (place:70123, in state:36).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .