Is Speculator, NY a Good Place to Live?
Speculator is a small town of 388 in New York, with a median household income of $71,563 and a 5.3% unemployment rate. Its cost of living index is 98 (US average = 100), which is 2% below the national average.
Strengths: Speculator stands out for below-average home prices, solid school ratings (A+), a well-educated population, short average commutes.
Trade-offs: Potential downsides include an elevated unemployment rate. Whether Speculator is right for you depends on your priorities — the full breakdown is below.
All Speculator city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 97.7Speculator's overall cost of living index is 97.7, where 100 represents the US national average. Living in Speculator costs roughly 2% less than the average American city.
| Metric | Speculator, NY | National Avg |
|---|---|---|
| Median Home Value | $184,400 | $244,900 |
| Median Monthly Rent | $950 | $1,163 |
| Homeownership Rate | 65.5% | 65.9% |
| Median Household Income | $71,563 | $74,755 |
Crime & Safety
Very SafeCrime data for Speculator is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
Speculator is served primarily by LAKE PLEASANT CENTRAL SCHOOL DISTRICT. The student-to-teacher ratio is 4.2:1 (better than the national average of ~16:1).
| Metric | Speculator, NY | National Avg |
|---|---|---|
| School District | LAKE PLEASANT CENTRAL SCHOOL DISTRICT | — |
| Elementary Schools | 1 | — |
| Middle Schools | N/A | — |
| High Schools | N/A | — |
| Student/Teacher Ratio | 4.2:1 | 16:1 |
| Bachelor's Degree or Higher | 39.6% | 35.4% |
| High School Diploma or Higher | 96.2% | 91.1% |
Weather & Climate
Speculator sees average highs of 25.4°F in January and 74.6°F in July, with 54.6 inches of annual precipitation and 128.8 inches of snow per year.
| Metric | Speculator, NY |
|---|---|
| Average High — January | 25.4°F |
| Average High — July | 74.6°F |
| Annual Precipitation | 54.6" |
| Annual Snowfall | 128.8" |
Demographics
| Metric | Speculator, NY | National Avg |
|---|---|---|
| Population | 388 | — |
| Median Age | 59.7 | 38.9 |
| Unemployment Rate | 5.3% | 3.7% |
| Avg Commute Time | 13.0 min | 26 min |
| White (non-Hispanic) | 97.7% | 59.3% |
| Black or African American | 0.8% | 13.6% |
| Hispanic or Latino | 1.5% | 18.9% |
| Asian | 0.0% | 6.3% |
| Under 18 | 9.8% | 22.2% |
| 65 and over | 43.0% | 16.8% |
Nearby Cities
ZIP Codes in Speculator
Speculator, NY is covered by 2 ZIP codes: