HomeNew YorkHamilton CountySpeculator village
Speculator village, New York: commercial real estate data.
Speculator village is a Census village of 409 people across 44.61 square miles of land, in Hamilton County. Median household income is $63,864, 62.9 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $300,000.
80 sourced place values · tier FULL · 9 sections
Speculator
What Speculator is
- Census place typevillage
- Land area44.61 sq mi
- Water area2.59 sq mi
- Population per square mile of land9
- County holding the largest share of its areaHamilton County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Speculator
How many people live in Speculator
- Population409
- Median age55.8
- Population under 1825 plus or minus 19
- Share under 186.1 percent plus or minus 4.5
- Population 65 and over156 plus or minus 79
- Share 65 and over38.1 percent plus or minus 18.3
- Households178
- Family households83 plus or minus 21
- Share of households that are families46.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Speculator
Income and work in Speculator
- Median household income$63,864
- Per capita income$43,003 plus or minus $9,255
- Civilian labor force166 plus or minus 41
- Employed157 plus or minus 40
- Unemployed9 plus or minus 9
- Unemployment rate5.4 percent plus or minus 5.3
- Adults 25 and over352
- Adults 25 and over with a high school diploma or higher86.6 percent plus or minus 18.7
- Adults 25 and over with a bachelor degree or higher52.6 percent plus or minus 16.6
- Adults 25 and over with a graduate degree37.5 percent plus or minus 16.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Speculator
Housing in Speculator
- Housing units537
- Occupied units178
- Vacant units359
- Vacancy rate66.9 percent
- Owner occupied112 plus or minus 23
- Renter occupied66 plus or minus 27
- Ownership rate62.9 percent
- Median owner-occupied home value$250,000 plus or minus $91,421
- Median gross rent, monthly$1,042 plus or minus $244
- Annual rent as a share of median income19.6 percent plus or minus 4.9
- Single family units481
- Share single family89.6 percent
- Units in buildings of two or more31 plus or minus 21
- Share in buildings of two or more5.8 percent plus or minus 3.9
- Mobile homes25 plus or minus 17
- Median year structure built1975
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Speculator
How Speculator gets to work
- Workers 16 and over who commute127 plus or minus 38
- Commuting under 15 minutes103 plus or minus 37
- Share commuting under 15 minutes81.1 percent
- Commuting 30 minutes or more12 plus or minus 16
- Share commuting 30 minutes or more9.4 percent plus or minus 12.4
- Drove alone47.8 percent
- Carpooled2.5 percent plus or minus 1.8
- Public transport4.5 percent plus or minus 5.0
- Walked26.1 percent plus or minus 15.2
- Worked from home19.1 percent plus or minus 9.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Speculator
SBA 7(a) lending to Speculator borrowers
- Approvals1
- Gross approval$300,000
- Average approval$300,000
- Median approval$300,000
- Ninetieth percentile approval$300,000
- Largest approval$300,000
- Jobs supported2
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Speculator
SBA 504 lending to Speculator borrowers
- Approvals1
- Gross approval$245,000
- Average approval$245,000
- Median approval$245,000
- Largest approval$245,000
- Jobs supported3
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Speculator
Flood programme status in Speculator
- Listed NFIP communities1
- Of those, participating1
- NFIP community number361527
- Currently effective map date02/06/84(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Hamilton County, not Speculator
Hamilton County context, not Speculator figures
These are Hamilton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Speculator measurements.
- Establishments in Hamilton County188
- Employment at those establishments, Hamilton County936
- Covered employment, Hamilton County1,634
- Average annual pay, Hamilton County$49,916
- Average weekly wage, Hamilton County$960
- Housing units permitted, Hamilton County41
- Of those, single family, Hamilton County41
- County product, 2024, Hamilton County$297,399,000
- County product change over the prior year, Hamilton County1.3 percent
- Average income of an arriving household, Hamilton County$106,424
Every figure in this section is published for Hamilton County as a whole and is not a measurement of Speculator. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Speculator questions, answered from the record.
How many people live in Speculator, New York?
409, in 178 households. Speculator village covers 44.61 square miles of land, which is 9 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Speculator in?
Hamilton County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Speculator?
$63,864. The median owner-occupied home is valued at $250,000. Median gross rent is $1,042 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Speculator businesses?
1 7(a) approvals totalling $300,000, across 1 lenders, median approval $300,000, plus 1 504 approvals worth $245,000. These count approvals to borrowers whose address is in Speculator, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Speculator borrowers get paid back?
No rate is published for Speculator. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Speculator in the National Flood Insurance Program?
Yes. Speculator appears in the FEMA Community Status Book as community 361527, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Speculator figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hamilton County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Speculator.
Is zoning published for Speculator?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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