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Speculator

New York · 398 residents (2025 est.) · 44.609 sq mi
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The short version

Speculator has lower-than-average household income, with a median household income of $63,864. Population has grown 18% since 2000. 53% of adults hold a bachelor's degree or higher, well above the national rate of 36%. Median home value has more than doubled since 2000, reaching $250,000. With a median age of 55.8, the population is older than the US median of 38.9. Households here earn about 26% less than the New York median.

At a glance
Lower income
below the US median
US median: $82,259
Older
median age 55.8
US median: 38.9
More educated
53% hold a bachelor's degree
US average: 36%
Less affordable
home values up 41%, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
409
+18%since 2000
from 348 in 2000
1990 – 2025
Population density
9 / sq mi
+18%since 2000
from 8 / sq mi in 2000
US average: 281
Median age
55.8
+16%since 2000
from 48.0 in 2000
US average: 38.9

PEP 2025 EST:398 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
2723143563974391990201020202024Speculator
2024409
1990201020202024
Section 02

Income & economy

Median household income
$63,864
+5%inflation adjusted, since 2000
from $33,393 in 2000
US average: $82,259
1990 – 2024
Per capita income
$43,003
+71%since 2000
from $25,089 in 2000
US average: $44,673
Households earning $100K+
43.3%
+4.5 ptssince 2009
from 38.8% in 2009
US average: 53.3%
Poverty rate
25.7%
+21.4 ptssince 2000
from 4.3% in 2000
US average: 12.5%
Income inequality (Gini)
0.508
−12%since 2010
from 0.576 in 2010
US average: 0.476
Workforce by industry, 2024
Finance & insurance10.8%
US avg: 5.9%
Retail trade9.6%
US avg: 9.9%
Professional, scientific, technical8.9%
US avg: 5.1%
Information8.3%
US avg: 10.8%
Wholesale trade5.7%
US avg: 6.9%
Other services5.7%
US avg: 6.7%
Public administration4.5%
US avg: 4.8%
Education & health services1.9%
US avg: 0.9%
Agriculture, forestry, fishing0%
US avg: 1.6%
Construction0%
US avg: 1.2%
Manufacturing0%
US avg: 0.4%
Transportation & warehousing0%
US avg: 2.2%
Arts, entertainment, food0%
US avg: 1.9%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$250,000
+41%inflation adjusted, since 2000
from $97,300 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$1,042
+31%inflation adjusted, since 2000
from $435 in 2000
US average: $1,442
Owner-occupied
62.9%
−7.6 ptssince 2000
from 70.6% in 2000
37.1% rent
Vacancy rate
66.9%
−9.0 ptssince 2009
from 75.9% in 2009
US average: 10.0%
Owner cost-burdened
16.1%
−17.6 ptssince 2009
from 33.7% in 2009
US average: 22.9%
Renter cost-burdened
21.2%
+11.2 ptssince 2009
from 10.0% in 2009
US average: 47.4%
Afford Score
3.9
+34%since 2000
from 2.9 in 2000
1990 – 2024
Gentrification Score
54
RELATED:See current rent listings in Speculator on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic95.7%(333)
Black1.7%(6)
Hispanic / Latino1.7%(6)
Asian0.6%(2)
Other0%
Diversity Score9.8%(34)
2024
White, non-Hispanic80.2%(328)
Black8.3%(34)
Hispanic / Latino5.9%(24)
Asian1.5%(6)
Other4.2%(17)
Diversity Score43.1%(176)
Diversity Score
43
+339%since 2000
from 10 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
52.6%
+29.5 ptssince 2000
from 23.0% in 2000
US average: 35.6%
High school or higher
86.6%
+2.7 ptssince 2000
from 84.0% in 2000
US average: 89.6%
Graduate degree
37.5%
+25.6 ptssince 2000
from 11.9% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
11.5 min
−24%since 2000
from 15.1 min in 2000
US average: 26.5
Drive alone to work
47.8%
−35.8 ptssince 2009
from 83.6% in 2009
US average: 68.9%
Carpooled to work
2.5%
−4.8 ptssince 2009
from 7.4% in 2009
US average: 8.5%
Public transit
4.5%
+4.5 ptssince 2009
from 0.0% in 2009
US average: 3.2%
Worked from home
19.1%
+19.1 ptssince 2009
from 0.0% in 2009
US average: 15.0%
Walked to work
26.1%
+17.9 ptssince 2009
from 8.2% in 2009
US average: 2.4%
Biked to work
0.0%
−0.8 ptssince 2009
from 0.8% in 2009
US average: 0.4%
No vehicle available
1.7%
−6.9 ptssince 2009
from 8.6% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
5.4%
+5.4 ptssince 2011
from 0.0% in 2011
US average: 5.2%
Labor force participation
43.0%
−13.9 ptssince 2011
from 56.9% in 2011
US average: 63.5%
Self-employed
23.6%
−32.2 ptssince 2009
from 55.7% in 2009
US average: 13.1%
Management & professional
42.0%
−21.1 ptssince 2009
from 63.1% in 2009
US average: 42.5%
Section 08

People & community

Male
40.1%
−9.6 ptssince 2009
from 49.7% in 2009
Female
59.9%
+9.6 ptssince 2009
from 50.3% in 2009
Foreign born
1.7%
−3.2 ptssince 2009
from 4.9% in 2009
US average: 14.1%
Veterans
9.4%
−41.8 ptssince 2009
from 51.2% in 2009
US average: 6.2%
With a disability
25.2%
+10.8 ptssince 2012
from 14.4% in 2012
US average: 13.3%
Uninsured
2.2%
−86.9 ptssince 2013
from 89.1% in 2013
US average: 8.4%
Broadband at home
96.1%
+27.7 ptssince 2017
from 68.4% in 2017
US average: 91.0%
English only at home
96.8%
−2.7 ptssince 2016
from 99.5% in 2016
US average: 77.7%
Spanish at home
0.0%
Unchangedsince 2016
from 0.0% in 2016
US average: 13.6%
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Frequently asked

How many people live in Speculator, New York?

Speculator, New York has about 409 residents according to the 2024 American Community Survey.

What is the median household income in Speculator, New York?

The typical household in Speculator, New York earns about $63,864 a year. Half of households make more than that, and half make less.

Is Speculator, New York expensive?

In Speculator, New York, the median home is worth about $250,000, and the typical rent is about $1,042 a month.

How educated are people in Speculator, New York?

About 52.6% of adults age 25 and over in Speculator, New York hold a bachelor's degree or higher.

What is the poverty rate in Speculator, New York?

About 25.7% of people in Speculator, New York live below the federal poverty line.

Has Speculator, New York grown since 1990?

Yes, Speculator, New York has shrunk since 1990. The population has lost about 16 residents, a change of about -4 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · UPDATED 2024

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