12164 Zip Code (Speculator, NY) Detailed Profile

Estimated zip code population in 2022: 477
Zip code population in 2010: 365
Zip code population in 2000: 476

Houses and condos: 801
Renter-occupied apartments: 41
March 2022 cost of living index in zip code 12164: 95.7 (near average, U.S. average is 100)

Land area: 46.4 sq. mi.
Water area: 2.8 sq. mi.

Population density: 10 people per square mile

(very low).

Real estate property taxes paid for housing units in 2022:
Median real estate property taxes paid for housing units with mortgages in 2022: $1,766 (1.1%)
Median real estate property taxes paid for housing units with no mortgage in 2022: $2,926 (1.4%)

For population 25 years and over in 12164:

• High school or higher: 92.1%
• Bachelor's degree or higher: 33.3%
• Graduate or professional degree: 23.1%
• Unemployed: 3.9%
• Mean travel time to work (commute): 12.5 minutes

For population 15 years and over in 12164:

• Never married: 35.1%
• Now married: 49.1%
• Separated: 1.1%
• Widowed: 6.3%
• Divorced: 8.3%

• 
• • 46798.3%White
  • 61.3%Hispanic or Latino
  • 20.4%Black

100% rural population.

Averages for the 2020 tax year for zip code 12164, filed in 2021:

Average Adjusted Gross Income (AGI) in 2020: $70,440 (Individual Income Tax Returns)

Here:	$70,440
State:	$90,930

Salary/wage: $52,011 (reported on 76.0% of returns)

Here:	$52,011
State:	$72,104

(% of AGI for various income ranges: 1134.0% for AGIs below $25k, 2896.0% for AGIs $25k-50k, 2707.5% for AGIs $50k-75k, 18280.0% for AGIs $100k-200k)

Taxable interest for individuals: $427 (reported on 44.0% of returns)

This zip code:	$427
New York:	$3,075

(% of AGI for various income ranges: 40.0% for AGIs below $25k, 20.0% for AGIs $50k-75k, 63.3% for AGIs $100k-200k)

Ordinary dividends: $4,025 (reported on 32.0% of returns)

Here:	$4,025
State:	$11,095

(% of AGI for various income ranges: 126.0% for AGIs below $25k, 297.5% for AGIs $50k-75k, 466.7% for AGIs $100k-200k)

Net capital gain/loss in AGI: +$3,029 (reported on 28.0% of returns)

Here:	+$3,029
State:	+$44,925

(% of AGI for various income ranges: 148.0% for AGIs $25k-50k, 460.0% for AGIs $100k-200k)

Profit/loss from business: +$3,150 (reported on 16.0% of returns)

Here:	+$3,150
State:	+$14,940

(% of AGI for various income ranges: 252.0% for AGIs $25k-50k)

Taxable individual retirement arrangement distribution: $15,675 (reported on 16.0% of returns)

12164:	$15,675
New York:	$19,609

(% of AGI for various income ranges: )

Earned income credit: $2,550 (reported on 8.0% of returns)

Here:	$2,550
State:	$2,138

(% of AGI for various income ranges: 102.0% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2020 taxes: 100.0%

Here:	100%
State:	95%

(% for various income ranges: 100.0% for AGIs below $25k, 100.0% for AGIs $25k-50k, 100.0% for AGIs $50k-75k, 100.0% for AGIs $75k-100k, 100.0% for AGIs $100k-200k)

Averages for the 2012 tax year for zip code 12164, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $52,181 (Individual Income Tax Returns)

Here:	$52,181
State:	$77,088

Salary/wage: $37,071 (reported on 77.8% of returns)

Here:	$37,071
State:	$60,593

(% of AGI for various income ranges: 71.7% for AGIs below $25k, 67.6% for AGIs $25k-50k, 60.3% for AGIs $50k-75k, 61.6% for AGIs $75k-100k, 39.5% for AGIs $100k-200k)

Taxable interest for individuals: $550 (reported on 44.4% of returns)

This zip code:	$550
New York:	$3,125

(% of AGI for various income ranges: 0.6% for AGIs below $25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.3% for AGIs $100k-200k)

Ordinary dividends: $2,622 (reported on 33.3% of returns)

Here:	$2,622
State:	$10,299

(% of AGI for various income ranges: 4.1% for AGIs below $25k, 3.8% for AGIs $25k-50k, 3.3% for AGIs $75k-100k)

Net capital gain/loss in AGI: +$1,920 (reported on 18.5% of returns)

Here:	+$1,920
State:	+$42,474

Profit/loss from business: +$4,550 (reported on 14.8% of returns)

Here:	+$4,550
State:	+$16,168

Taxable individual retirement arrangement distribution: $11,550 (reported on 14.8% of returns)

12164:	$11,550
New York:	$17,621

Total itemized deductions: $23,138 (25% of AGI, reported on 29.6% of returns)

Here:	$23,138
State:	$34,985

Here:	24.8% of AGI
State:	21.3% of AGI

(% of AGI for various income ranges: 16.2% for AGIs $25k-50k, 24.2% for AGIs $50k-75k, 14.8% for AGIs $100k-200k)

Charity contributions: $4,543 (reported on 25.9% of returns)

Here:	$4,543
State:	$5,572

(% of AGI for various income ranges: 7.1% for AGIs below $25k, 4.9% for AGIs $50k-75k, 2.2% for AGIs $100k-200k)

Taxes paid: $8,738 (reported on 29.6% of returns)

12164:	$8,738
State:	$18,656

(% of AGI for various income ranges: 4.4% for AGIs $25k-50k, 9.0% for AGIs $50k-75k, 6.7% for AGIs $100k-200k)

Earned income credit: $2,175 (reported on 14.8% of returns)

Here:	$2,175
State:	$2,230

(% of AGI for various income ranges: 7.7% for AGIs below $25k)

Percentage of individuals using paid preparers for their 2012 taxes: 55.6%

Here:	56%
State:	66%

(% for various income ranges: 55.6% for AGIs below $25k, 50.0% for AGIs $25k-50k, 100.0% for AGIs $50k-75k, 66.7% for AGIs $100k-200k)

Averages for the 2004 tax year for zip code 12164, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $34,700 (Individual Income Tax Returns)

Here:	$34,700
State:	$59,519

Salary/wage: $29,034 (reported on 79.3% of returns)

Here:	$29,034
State:	$50,673

(% of AGI for various income ranges: 81.3% for AGIs below $10k, 67.5% for AGIs $10k-25k, 78.9% for AGIs $25k-50k, 60.6% for AGIs $50k-75k, 54.3% for AGIs $75k-100k)

Taxable interest for individuals: $1,097 (reported on 58.7% of returns)

This zip code:	$1,097
New York:	$2,377

(% of AGI for various income ranges: 2.8% for AGIs below $10k, 3.5% for AGIs $10k-25k, 2.0% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 0.5% for AGIs $75k-100k)

Taxable dividends: $3,244 (reported on 30.0% of returns)

Here:	$3,244
State:	$5,394

(% of AGI for various income ranges: 7.0% for AGIs below $10k, 1.9% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 2.6% for AGIs $50k-75k, 5.2% for AGIs $75k-100k)

Net capital gain/loss: +$3,597 (reported on 20.7% of returns)

Here:	+$3,597
State:	+$23,581

Profit/loss from business: +$2,308 (reported on 13.0% of returns)

Here:	+$2,308
State:	+$13,809

Total itemized deductions: $15,329 (28% of AGI, reported on 25.3% of returns)

Here:	$15,329
State:	$25,864

Here:	28.4% of AGI
State:	21.9% of AGI

(% of AGI for various income ranges: 15.9% for AGIs $10k-25k, 6.2% for AGIs $25k-50k, 13.3% for AGIs $50k-75k, 14.5% for AGIs $75k-100k)

Charity contributions deductions: $3,000 (6% of AGI, reported on 23.7% of returns)

Here:	$3,000
State:	$4,439

Here:	5.6% of AGI
State:	3.6% of AGI

(% of AGI for various income ranges: 1.8% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 3.5% for AGIs $50k-75k, 2.6% for AGIs $75k-100k)

Total tax: $3,498 (reported on 77.7% of returns)

12164:	$3,498
State:	$11,730

(% of AGI for various income ranges: 3.2% for AGIs below $10k, 5.0% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 8.2% for AGIs $50k-75k, 10.6% for AGIs $75k-100k)

Earned income credit: $1,133 (reported on 10.0% of returns)

Here:	$1,133
State:	$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 63.0%

Here:	63%
State:	67%

(% for various income ranges: 55.7% for AGIs below $10k, 69.0% for AGIs $10k-25k, 60.0% for AGIs $25k-50k, 70.5% for AGIs $50k-75k, 62.1% for AGIs $75k-100k)

Nearest zip codes: 12108, 12190, 12864, 12842, 12856, 12139.
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No gay or lesbian households reported

Household received Food Stamps/SNAP in the past 12 months: 5
Household did not receive Food Stamps/SNAP in the past 12 months: 168

Women who had a birth in the past 12 months: 2 (2 now married, 0 unmarried)
Women who did not have a birth in the past 12 months: 30 (6 now married, 23 unmarried)

Housing units in zip code 12164 with a mortgage: 39 (2 second mortgage, 2 both second mortgage and home equity loan)
Houses without a mortgage: 1

Median monthly owner costs for units with a mortgage: $1,107
Median monthly owner costs for units without a mortgage: $612

Residents with income below the poverty level in 2022:
Residents with income below 50% of the poverty level in 2022:

• Zip code 12164 household income distribution in 2022

• 3Less than $10,000
• 13$10,000 to $14,999
• 3$15,000 to $19,999
• 15$20,000 to $24,999
• 2$25,000 to $29,999
• 5$30,000 to $34,999
• 16$35,000 to $39,999
• 3$40,000 to $44,999
• 4$45,000 to $49,999
• 18$50,000 to $59,999
• 26$60,000 to $74,999
• 21$75,000 to $99,999
• 8$100,000 to $124,999
• 12$125,000 to $149,999
• 4$150,000 to $199,999
• 14$200,000 or more

• Estimate of home value of owner-occupied houses/condos in 2022 in zip code 12164

• 8Less than $10,000
• 2$15,000 to $19,999
• 12$60,000 to $69,999
• 3$70,000 to $79,999
• 1$80,000 to $89,999
• 4$90,000 to $99,999
• 9$100,000 to $124,999
• 3$125,000 to $149,999
• 13$150,000 to $174,999
• 13$175,000 to $199,999
• 15$200,000 to $249,999
• 18$250,000 to $299,999
• 6$300,000 to $399,999
• 16$500,000 to $749,999
• 2$750,000 to $999,999
• 2$1,000,000 to $1,499,999

• Rent paid by renters in 2022 in zip code 12164

• 2$500 to $549
• 2$550 to $599
• 1$600 to $649
• 5$700 to $749
• 5$750 to $799
• 1$800 to $899
• 2$900 to $999
• 20No cash rent

Median gross rent in 2022: $945.

Estimated median house (or condo) value in 2022 for:

• White Non-Hispanic householders: $182,832
• Some other race householders: $253,620

Estimated median house or condo value in 2022: $195,457 Lower value quartile - upper value quartile: $110,263 - $285,272

Mean price in 2022:

Detached houses: $295,280

Here:	$295,280
State:	$476,719

Townhouses or other attached units: $526,676

Here:	$526,676
State:	$699,270

In 2-unit structures: $315,059

Here:	$315,059
State:	$713,077

Mobile homes: $136,992

Here:	$136,992
State:	$88,925

Housing units in structures:

• One, detached: 649
• One, attached: 1
• Two: 11
• 3 or 4: 7
• 5 to 9: 7
• Mobile homes: 119

Unemployment: 3.9%

• Means of transportation to work in zip code 12164

• 62.3%116Drove a car alone
• 5.4%10Carpooled
• 25.3%47Walked
• 4.8%9Worked at home

• Travel time to work (commute) in zip code 12164

• 54Less than 5 minutes
• 525 to 9 minutes
• 1110 to 14 minutes
• 2115 to 19 minutes
• 1020 to 24 minutes
• 130 to 34 minutes
• 335 to 39 minutes
• 1245 to 59 minutes
• 360 to 89 minutes

Percentage of zip code residents living and working in this county: 90.3%

Household type by relationship:

Households: 477

• Male householders: 101 (30 living alone), Female householders: 75 (30 living alone)

• 101 spouses (101 opposite-sex spouses), 2 unmarried partners, (2 opposite-sex unmarried partners), 96 children (83 natural, 0 adopted, 12 stepchildren), 5 grandchildren, 0 brothers or sisters, 7 parents, 0 foster children, 14 other relatives, 0 non-relatives

• In group quarters: 81 (-1 institutionalized population)

Size of family households: 89 2-persons, 10 3-persons, 11 4-persons, 4 5-persons

Size of nonfamily households: 59 1-person

19 married couples with children.
10 single-parent households (10 women).

97.5% of residents of 12164 zip code speak English at home.
1.1% of residents speak other Indo-European language at home (100% very well).
3.2% of residents speak Asian or Pacific Island language at home (100% very well).

Housing units lacking complete plumbing facilities: 5.7%
Housing units lacking complete kitchen facilities: 5.1%

Population in 1990: 400. Population change in the 1990s: +76 (+19.0%).

Place of birth for U.S.-born residents:

• This state: 325
• Northeast: 103
• Midwest: 27
• South: 17

70% of the 12164 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 44% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

90% of the 12164 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 10% moved from this county.
   Out of people who lived in different houses, 44% moved from different county within same state.
   Out of people who lived in different houses, 8% moved from different state.
   Out of people who lived in different houses, 38% moved from abroad.

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 4
Students in private schools in grades 9 to 12 (high school): 3 Students in private undergraduate colleges: 18

Top industries in this zip code by the number of employees in 2005:

• Construction: New Single-Family Housing Construction (except Operative Builders) (20-49 employees: 1 establishment, 1-4 employees: 1 establishment)
• Other Services (except Public Administration): Religious Organizations (20-49: 1)
• Accommodation and Food Services: Full-Service Restaurants (10-19: 1, 5-9: 1, 1-4: 2)
• Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (10-19: 1, 1-4: 1)
• Other Services (except Public Administration): General Automotive Repair (5-9: 1)
• Accommodation and Food Services: Bed-and-Breakfast Inns (5-9: 1)

Most common first names in zip code 12164 among deceased individuals
Name	Count	Lived (average)
Robert	7	67.6 years
Charles	7	71.9 years
James	7	81.2 years
Margaret	6	75.7 years
John	6	69.0 years
Edward	5	72.2 years
Helen	4	83.7 years
Dorothy	4	76.2 years
Herbert	4	72.5 years
Mary	4	84.7 years

Most common last names in zip code 12164 among deceased individuals
Last name	Count	Lived (average)
Page	13	80.9 years
Morrison	5	79.2 years
Slack	4	80.5 years
Bruso	3	69.0 years
Lawrence	3	84.0 years
Galusha	3	75.0 years
Mayers	3	55.0 years
Brooks	3	85.7 years
Lamphear	3	79.7 years
Osborne	3	61.3 years

Businesses in zip code 12164

• True Value: 2
• U-Haul: 1