New York / Hamilton County

Moving to Speculator, NY

Thinking of making a move to Speculator, NY? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Speculator, NY

Considering a move to Speculator, NY? This welcoming community of 337 residents offers a blend of suburban charm and convenience, with median home prices around $265,000 and average rents near $1,050. Commute times average 22 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (48% annually), ideal for families and commuters alike. Explore Speculator's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Speculator, NY

Speculator has a population of 337 residents, offering a diverse community with a median age of nearly 54 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 96% White, 1% Black, and 1% Asian residents, and over 4% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
337
Density
15 per sq mi
Median Age
53.8
Gender Ratio
98 males per 100 females
Non-English Speakers Percentage
4.1%

Ethnic Composition

White
95.8%
Black
0.6%
Asian
1.2%
Others
2.4%

Cost Of Living

What is the average cost of living in Speculator, NY?

The cost of living in Speculator is higher than the national average, with a cost of living index of 105.4. Median home values are around $265,000 and average rents for a two-bedroom apartment are approximately $1,050. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$265,000
Gross Rent
$1,050
Monthly Electricity Charges
$145
Auto Insurance
$1,520
House Owner Cost With Mortgage
$1,650
House Owner Cost Without Mortgage
$560
State Taxes
Low: 4.0%| High: 10.9%
Cost Of Living Index
105.4
Grocery
103.8
Housing
96.2
Utilities
115.8
Transportation
98.7
Health Care
101.5
Miscellaneous
100.2

Crime

Is Speculator, NY a safe place to live?

Speculator is considered a safe community, with a low violent crime rate of 120 incidents per 100,000 residents and a property crime chance of 1 in 122. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in New York.

Violent Crimes Per 100k
120
Property Crimes Per 100k
820
Crime Index
940
Chance Of Violent Crime
1 in 833
Chance Of Property Crime
1 in 122

Weather

What is the weather like in Speculator, NY year-round?

Speculator experiences four distinct seasons, with warm summers reaching highs of 78°F and cold winters dipping to 10°F. The area receives about 40 inches of rainfall annually and enjoys sunshine on 48% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
10°F
Max
28°F

Summer

Min
56°F
Max
78°F

Spring

Min
34°F
Max
58°F

Fall

Min
38°F
Max
61°F
Average Rainfall Inches
39.5 inches
Sunny Days Percentage
48%

Neighbors

The neighborhood boasts a healthy median household income of $58,500 and a low poverty rate of 10.8%. Over 94% of residents have at least a high school diploma, and nearly 26% hold a bachelor's degree or higher. Commute times average 22 minutes, and almost 2% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$41,000
Household Income
$58,500
Family Income
$71,000
Per Capita Income
$31,500
Income Male
$39,000
Income Female
$33,000
Poverty Rate
10.8%
Non English Speakers
2.9%
Rent
$1,050
Unemployment Rate
4.8%
Public Transport Usage
1.5%
Commute Time
22.4 minutes

Education

High School or Higher
94.1%
Bachelors or More
26.4%

Education

How are the schools in Speculator, NY?

Speculator offers quality education options, with public schools like Indian Lake Central School and Wells Central School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Adirondack Community College and SUNY Adirondack. The community is committed to educational excellence for all age groups.

Public Schools

Name
Indian Lake Central School
Street
3814 NY-30
Phone
518-648-5400
Students
270
Student Teacher Ratio
10.8
Name
Wells Central School
Street
1571 NY-30
Phone
518-924-6000
Students
145
Student Teacher Ratio
9.6

Private Schools

Name
St. Mary's School
Street
88 E Main St
Phone
518-548-2223
Students
82

Colleges

Name
Adirondack Community College
City
Queensbury
State
NY
Distance
63 miles
Students
3,200
Name
SUNY Adirondack
City
Queensbury
State
NY
Distance
63 miles
Students
3,200

Healthcare

Speculator residents have access to quality healthcare, with major hospitals like Adirondack Medical Center and Nathan Littauer Hospital & Nursing Home nearby. The community benefits from a high physician-to-resident ratio of 1.7 per 1,000 people and 94.1% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
Adirondack Medical Center
Address
2233 NY-86, Saranac Lake, NY 12983
Phone
(518) 897-2000
Type
General & Surgical
Emergency Services
Yes
Name
Nathan Littauer Hospital & Nursing Home
Address
99 E State St, Gloversville, NY 12078
Phone
(518) 725-8621
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
1.7
Health Insurance Coverage
94.1%
Health Care Index
69.8

Housing Market

What is the housing market like in Speculator, NY?

The local housing market is strong, with a median home price of $265,000 and an owner-occupied rate of nearly 83%. The market has seen a 4.3% appreciation over the past year, and rental vacancy rates remain moderate at 8.4%. Speculator offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$265,000
Average Rent For 2 Bedroom
$1,050
Owner Occupied Rate
82.6%
Rental Vacancy Rate
8.4%
Home Appreciation Rate (1yr)
4.3%
New Construction Rate
0.6%
Foreclosure Rate
0.4%

DMV Information

Residents of Speculator handle vehicle services through the New York State Department of Motor Vehicles, conveniently located in Albany. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
New York
Department
New York State Department of Motor Vehicles
Address
6 Empire State Plaza, Albany, NY 12228
Phone
1-518-486-9786

Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.

FAQs About Moving to Speculator, NY

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Speculator, review the core fields on this page: population 337, median home value $265,000, average rent for 2 bedroom $1,050, commute time 22.4 minutes, and sunny days percentage 48%.

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