12108
Speculator, New York.
Speculator, Hamilton County, NY · population 350
to buy the typical home at today's mortgage rate — +$931 (+115%) since Jan 2020.
- 1 year
- Up $11,702 +4%
- $319,625$331,326 since Sep 2025
- 5 years
- Up $69,781 +27%
- $261,545$331,326 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 12108$1,739
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in zip 12108 rose 3.7% over the past year — faster than the nation's +1.2%.
Zillow also publishes an index for the city itself: Speculator, NY — measured over the city limits, which is a different area from this zip.
Typical home value — 12108
Mid-tier homes, smoothed and seasonally adjusted.
- 12108$331,326
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 7.7 | 12139 | Piseco | 227 | — | $382,125 |
| 7.7 | 12190 | Wells | 671 | — | $230,166 |
| 10.9 | 12164 | Speculator | 539 | — | $282,779 |
| 17.2 | 12032 | Caroga Lake | 662 | — | $266,904 |
| 17.3 | 12134 | Northville | 3,846 | — | $323,583 |
| 19.0 | 12856 | North River | 260 | — | $342,243 |
| 19.1 | 12878 | Stony Creek | 819 | — | $241,393 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.