ZIP code · Speculator · New York · United States
ZIP code 12164 — Speculator
ZIP code 12164 serves Speculator, New York.
- Postal code
- 12164Single source Value from one source, not cross-checked.
- City
- Speculator
- County
- Hamilton FIPS 36041
- State
- New York
- Country
- United States
- Coordinates
- 43.5042, -74.3667 — precision precise (locality)
View on OpenStreetMap - Population
- 520 (ZCTA, ACS 5-year)
- Population density
- 4 / sq mi
- Land area
- 116.8 sq mi (302.5 km²) (ZCTA, ACS 5-year)
- Median household income
- $58,594
- Per-capita income
- $39,623
- Median age
- 64.1
- Households
- 225
- Housing units
- 787
- Median home value
- $185,200
- Median gross rent
- $1,045 / month
- Congressional district
- NY-21 (119th Congress)
- USDA hardiness zone
- 4b (-25 to -20 °F)Planting / growing zone from the 2023 USDA Plant Hardiness Zone Map: average annual extreme minimum temperature, 1991–2020.
- Time zone
- America/New_York (UTC−5 / UTC−4 DST)
Tools: compare 12164 with another ZIP · ZIPs within 25 miles · distance from 12164
Map of ZIP code 12164
Climate — monthly normals
Warmest month Jul (avg high 75°F), coldest Jan (avg low 6°F).
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avg high °F | 25 | 28 | 36 | 49 | 63 | 71 | 75 | 73 | 67 | 54 | 41 | 31 |
| Avg low °F | 6 | 7 | 15 | 28 | 40 | 49 | 54 | 53 | 45 | 35 | 25 | 14 |
| Precip in | 3.0 | 2.5 | 3.2 | 3.7 | 3.9 | 4.4 | 4.0 | 4.0 | 3.5 | 4.5 | 3.5 | 3.4 |
NOAA 1991–2020 climate normals from the nearest station: INDIAN LAKE 2SW (17.9 mi) · NOAA NCEI
Places in ZIP 12164
- 2 schools
- 1 hospitals & clinics
- 1 supermarkets
- 5 restaurants & cafés
- 1 bars & pubs
- 1 parks
- 2 playgrounds
- 1 gyms & sports centres
- 1 libraries
- 1 post offices
- 1 banks
- 1 gas stations
Places mapped inside this ZIP’s ZCTA area in OpenStreetMap. OSM is community-maintained: counts reflect what has been mapped, and completeness varies by area — treat them as at-least figures. © OpenStreetMap contributors (ODbL) · Methodology
About this page
US ZIP codes have five digits. They are postal routing areas, not administrative boundaries: a ZIP can span more than one city or county, and the city shown is the primary USPS name for that code.
GeoNames · U.S. Census Bureau (ACS) · U.S. Census Bureau · NOAA NCEI · usda-phzm. Data generated on 2026-08-21. Methodology · Report an error on this page