Speculator, NY
Population 389 · New York
About Speculator, NY
Speculator is a small community located in New York with a population of 389 residents according to the latest US Census Bureau American Community Survey data. The median household income is $63,839 per year, which is 15% below the national median of $75,149. The median age of 60 years is notably older the US median age of 38.9 years, suggesting a more established community with a higher proportion of long-term residents.
Housing Market Overview
The housing market in Speculator features a median home value of $192,200, which is 22% below the national median of $244,900. This positions Speculator in a moderately priced market relative to the rest of the country. Median monthly rent is $1,045, 10% below the national average of $1,163/month. Of the 502 total housing units, 63% are owner-occupied (94 units) and 37% are renter-occupied (55 units). The balanced mix of owners and renters indicates a diverse housing market.
Economy & Employment
The local economy in Speculator shows an unemployment rate of 3.6%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 16.2%, above the national average of 12.4%. Workers in Speculator have an average one-way commute time of 11.9 minutes, one of the shorter commutes in the region.
Education & Demographics
40.8% of Speculator residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This is in line with national trends in educational attainment. The community's demographic composition includes 0.0% White, 0.0% Hispanic or Latino, 1.3% Black or African American, and 0.5% Asian residents, with 2.6% of the population being foreign-born.
Cost of Living in Speculator, NY
Compared to national averages, Speculator has a median household income of $63,839 (15% below the national median of $75,149). Home values average $192,200, which is 22% below the national median. Monthly rent at $1,045 is 10% below the US average of $1,163. Within New York, Speculator's income is 34% below the state average of $96,987, and home values are 50% below the state median of $387,181.
Why Live in Speculator, NY?
Speculator offers affordable housing with a median home value of $192,200, below the US average of $244,900, and rent that’s lower than the national average at $1,045/month, and a strong job market with an unemployment rate of just 3.6%. Additionally, the city features a well-educated community where 40.8% of residents hold a bachelor’s degree or higher, and short commute times averaging just 11.9 minutes.
Potential considerations include median household income ($63,839) that falls below the national average. However, Speculator’s smaller community size offers a quieter lifestyle and tight-knit neighborhoods.
Speculator has a population of 389 with a median age of 60 years. Compare Speculator with other cities to see how it stacks up, or explore all cities in New York.
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Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
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Frequently Asked Questions about Speculator
What is the population of Speculator, NY?
The population of Speculator, NY is 389 according to the latest US Census Bureau American Community Survey estimates. This makes it a small community in New York.
What is the median household income in Speculator?
The median household income in Speculator, NY is $63,839 per year, which is 15% below the national median of $75,149.
What is the median home value in Speculator?
The median home value in Speculator, NY is $192,200, which is 22% below the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Speculator?
The median monthly rent in Speculator, NY is $1,045, which is 10% below the national average of $1,163/month.
What is the unemployment rate in Speculator?
The unemployment rate in Speculator, NY is 3.6%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Speculator, NY a good place to live?
Speculator offers a moderate cost of living, affordable housing, and a strong job market. With a population of 389 and a median age of 60, the city appeals to established professionals and retirees.
How educated is Speculator, NY?
40.8% of residents in Speculator aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This above-average educational attainment often reflects a knowledge-based local economy.
What is the cost of living in Speculator?
Key cost-of-living indicators for Speculator, NY: median home value is $192,200 (22% below national), median rent is $1,045/month, and median household income is $63,839. The home-value-to-income ratio is 3.0x, indicating relatively affordable housing relative to local incomes.
What is the poverty rate in Speculator?
The poverty rate in Speculator, NY is 16.2%, compared to the national average of 12.4%. Residents and prospective movers should be aware of the economic challenges facing parts of this community.
How diverse is Speculator, NY?
Speculator's population is 0.0% White, 0.0% Hispanic or Latino, 1.3% Black or African American, 0.5% Asian, and 0.0% two or more races. 2.6% of residents are foreign-born.