12164
Speculator, New York.
Speculator, Hamilton County, NY · population 539
to buy the typical home at today's mortgage rate — +$815 (+122%) since Jan 2020.
- 1 year
- Up $5,677 +2%
- $277,102$282,779 since Sep 2025
- 5 years
- Up $62,040 +28%
- $220,738$282,779 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.
- 12164$1,484
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in zip 12164 rose 2.0% 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 — 12164
Mid-tier homes, smoothed and seasonally adjusted.
- 12164$282,779
- 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 |
|---|---|---|---|---|---|
| 10.2 | 12139 | Piseco | 227 | — | $382,125 |
| 10.9 | 12108 | Lake Pleasant | 350 | — | $331,326 |
| 11.4 | 12842 | Indian Lake | 995 | — | $235,120 |
| 13.2 | 12190 | Wells | 671 | — | $230,166 |
| 14.2 | 12856 | North River | 260 | — | $342,243 |
| 15.8 | 12812 | Blue Mountain Lake | 265 | — | $328,235 |
| 16.8 | 13360 | Inlet | 227 | — | $393,628 |
| 17.2 | 13436 | Raquette Lake | 135 | — | $388,595 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.