Every ZIP code in the United States, with weather, radar, trivia and the numbers behind it. Five digits since 1963!

ZIP stands for Zone Improvement Plan. The codes went live on July 1, 1963.The lowest ZIP code is 00501 — the IRS in Holtsville, New York.The highest ZIP code is 99950, in Ketchikan, Alaska.Type 07734 into a calculator and turn it upside down: hELLO. It is Keansburg, New Jersey.12345 belongs to one company: General Electric in Schenectady, New York.The first digit is a region: 0 is New England and New Jersey, 9 is the West Coast, Alaska and Hawaii.Mr. ZIP, the cartoon mailman, was the mascot that sold the idea to America.ZIP+4 arrived in 1983 and can narrow a ZIP down to one side of one block.A ZIP code is a mail route, not a place: plenty of them cross county and even state lines.Play ZIP Hunt: guess the secret ZIP code of the day in six tries.
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Speculator ZIP code, New York

The ZIP code for Speculator, NY is 12164, and its area code is 518.

USPS city name
1 ZIP code
Overlapping the city
1 more
Population
409
Area code
518

NANPA lists no telephone rate centre for Speculator itself, so these are the area codes of the nearest one, Indian Lake (9.9 miles). A town on an area-code boundary can differ from its neighbour.

Mail addressed to Speculator uses the ZIP code above. 1 more ZIP code covers part of the city but is addressed as somewhere else; they are listed separately below.

Speculator in numbers

About 409 people live in Speculator, in 178 households. The median household income is $63,864 a year, 26% below the New York median of $85,974 (US: $80,734). The median owner-occupied home is valued at $250,000 (41% below the New York median), and median gross rent is $1,042 a month. The median age is 55.8; 52.6% of adults 25 and over hold a bachelor's degree or higher (40.2% across New York); the average commute takes 12 minutes.

Population409Speculator409
Households178Speculator178
Median age55.8Speculator55.8New York39.8US 38.9
Median household income$63,864Speculator$63,864New York$85,974US $80,734
Median home value$250,000Speculator$250,000New York$423,800US $332,700
Median gross rent$1,042Speculator$1,042New York$1,621US $1,413
Bachelor's degree or higher52.6%Speculator52.6%New York40.2%US 35.7%
Mean commute11.5 minSpeculator11.5 minNew York32.6 minUS 26.4 min
Population density9 / sq miSpeculator9 / sq mi

U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, for the census place Speculator village. Survey estimates carry margins of error, wider for small places. Sources and methods.

ZIP codes addressed as Speculator

ZIP codes with the USPS city name Speculator
ZIP City Type Population Median income Median home
12164 Speculator , NY Standard 539 $62,083 $226,800

Other ZIP codes overlapping Speculator

These ZIP codes cover part of Speculator but are addressed as somewhere else.

ZIP codes overlapping Speculator
ZIP City Type Population Median income Median home
12108 Lake Pleasant , NY Standard 350 $55,625 $339,100

Map of Speculator ZIP codes

12164

The ZIP codes of Speculator, NY, shaded. Outlines are Census ZIP Code Tabulation Areas (2020), which approximate the mail routes; PO-box and single-address codes have no area and are not drawn. Click any area to open its ZIP code.

Towns near Speculator

The nearest larger towns are Wells (581 people, 13 mi), North Creek (414 people, 20 mi) and Northville (1,038 people, 27 mi).

Towns near Speculator
TownPopulationDistance
Warrensburg 3,194 29.7 mi

More nearby: every ZIP code in Hamilton County · New York ZIP codes

Cite this page

zipcodes.pro. “Speculator, NY ZIP codes.” Data release 2026-10-12. Retrieved 2026-10-20. https://zipcodes.pro/city/ny/speculator

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