Speculator village, New York Demographics & Population 2026

Population Overview

Speculator village is a small community located in New York. The total population is 389. It ranks as the 1114th most populous out of 1,287 cities and towns in New York.

Age Demographics

The median age in Speculator village is 60.0 years. This is 52% higher than the state median of 39.6 years. Only 7.5% of residents are under 18, indicating fewer families with children. 12.6% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.

Economy, Income & Housing

The median household income in Speculator village is $63,839. This is 25% lower than the state median of $84,578. Compared to the national median of $78,538, household income here is 19% lower. The poverty rate stands at 16.2%. This is 18% higher than the state poverty rate of 13.7%. The unemployment rate is 3.6%. This is 41% lower than the state rate of 6.2%. The median home value is $192,200. Housing costs are 52% lower than the state median of $403,000. The home-value-to-income ratio is 3.0x. 63.1% of occupied housing units are owner-occupied. This homeownership rate is 16% higher than the state average of 54.3%.

Race & Ethnicity

Speculator village has a predominantly White (non-Hispanic) population, comprising 96.1% of all residents. Asian residents account for 2.1%. The White (non-Hispanic) population is significantly higher than the state average (96.1% vs 53.4%). The Hispanic or Latino population (1.8%) is well below the state average of 19.6%. The Asian population (2.1%) is well below the state average of 8.8%.

Education

40.8% of residents aged 25 and older hold a bachelor's degree or higher. This is 3% higher than the state rate of 39.6%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 96.2%. Notably, 26.6% of adults hold a graduate or professional degree, indicating a highly educated workforce.

Data Sources & Methodology

All demographic data for Speculator village, New York is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against New York state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 1,287 Census-designated places in New York. For official data, visit data.census.gov.