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 315 residents offers a blend of suburban charm and convenience, with median home prices around $172,000 and average rents near $900. 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 315 residents, offering a diverse community with a median age of nearly 59 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 98% White, 0% Black, and 0% Asian residents, and over 2% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
315
Density
54 per sq mi
Median Age
59.3
Gender Ratio
97 males per 100 females
Non-English Speakers Percentage
2.1%

Ethnic Composition

White
97.5%
Black
0.3%
Asian
0.0%
Others
2.2%

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 97.0. Median home values are around $172,000 and average rents for a two-bedroom apartment are approximately $900. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$172,000
Gross Rent
$900
Monthly Electricity Charges
$120
Auto Insurance
$1,250
House Owner Cost With Mortgage
$1,230
House Owner Cost Without Mortgage
$480
State Taxes
Low: 4.0%| High: 8.82%
Cost Of Living Index
97.0
Grocery
101.3
Housing
78.5
Utilities
108.5
Transportation
94.0
Health Care
102.0
Miscellaneous
95.0

Crime

Is Speculator, NY a safe place to live?

Speculator is considered a safe community, with a low violent crime rate of 60 incidents per 100,000 residents and a property crime chance of 1 in 263. 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
60
Property Crimes Per 100k
380
Crime Index
440
Chance Of Violent Crime
1 in 1,667
Chance Of Property Crime
1 in 263

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 6°F. The area receives about 44 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
6°F
Max
28°F

Summer

Min
51°F
Max
78°F

Spring

Min
31°F
Max
60°F

Fall

Min
33°F
Max
63°F
Average Rainfall Inches
44.4 inches
Sunny Days Percentage
48%

Neighbors

The neighborhood boasts a healthy median household income of $51,200 and a low poverty rate of 11.2%. Over 94% of residents have at least a high school diploma, and nearly 24% hold a bachelor's degree or higher. Commute times average 22 minutes, and almost 0% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$35,000
Household Income
$51,200
Family Income
$61,400
Per Capita Income
$29,300
Income Male
$36,500
Income Female
$31,200
Poverty Rate
11.2%
Non English Speakers
2.1%
Rent
$900
Unemployment Rate
5.7%
Public Transport Usage
0.0%
Commute Time
22.1 minutes

Education

High School or Higher
93.5%
Bachelors or More
24.2%

Education

How are the schools in Speculator, NY?

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

Public Schools

Name
Lake Pleasant Central School
Street
6014 NY-8, Speculator, NY 12164
Phone
518-548-7571
Students
95
Student Teacher Ratio
6.8

Colleges

Name
SUNY Adirondack
City
Queensbury
State
NY
Distance
62 miles
Students
3,700

Healthcare

Speculator residents have access to quality healthcare, with major hospitals like Nathan Littauer Hospital nearby. The community benefits from a high physician-to-resident ratio of 1.5 per 1,000 people and 94.1% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
Nathan Littauer Hospital
Address
99 E State St, Gloversville, NY 12078
Phone
(518) 725-8621
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
1.5
Health Insurance Coverage
94.1%
Health Care Index
77.0

Housing Market

What is the housing market like in Speculator, NY?

The local housing market is strong, with a median home price of $172,000 and an owner-occupied rate of nearly 85%. The market has seen a 2.5% appreciation over the past year, and rental vacancy rates remain moderate at 8.2%. Speculator offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$172,000
Average Rent For 2 Bedroom
$900
Owner Occupied Rate
85.4%
Rental Vacancy Rate
8.2%
Home Appreciation Rate (1yr)
2.5%
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 Johnstown. 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
2241 State Route 29, Johnstown, NY 12095
Phone
(518) 736-5963

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 315, median home value $172,000, average rent for 2 bedroom $900, commute time 22.1 minutes, and sunny days percentage 48%.

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