NEIGHBORSCORE

Speculator, New York · ZIP 12108

Speculator — ZIP 12108

Crime DataSchools

Speculator (12108) scores 77/100 — Good for Speculator. Safety: Lower reported-crime rate under the available data tier. Schools: No local proficiency is reported; this fallback uses nearby or county data where available, otherwise grade-band coverage. A mid-range price profile for the state. The typical home value here is $331K.

77OUT OF 100

Overall NeighborScore

BGood

Tap a tab to compare 12108 against its city, state, or the nation.

Lower reported-crime rate under the available data tier.

Safety index95/100
Violent crime share0%
Property crime share100%

No local proficiency is reported; this fallback uses nearby or county data where available, otherwise grade-band coverage.

School index56/100

A mid-range price profile for the state.

Affordability index50/100
Typical home value$331K

How this score is calculated: the NeighborScore composite weights crime 53% and schools 47%, each normalized to the local area. Home affordability is shown for context and is not factored into the overall score. Sources & methodology →

Last refreshed — Real estate: Aug 2026 · Demographics: Jun 2026

Nearby Neighborhoods

Not the right fit? See how adjacent ZIPs score — tap to jump over.

Indian Lake, New YorkIndian LakeZIP 12842
77= even vs here
Speculator, New YorkSpeculatorZIP 12164
80▲3 vs here
Blue Mountain Lake, New YorkBlue Mountain LakeZIP 12812
71▼6 vs here
Raquette Lake, New YorkRaquette LakeZIP 13436
77= even vs here

More ZIPs in Speculator

Speculator, New YorkSpeculatorZIP 12164
80▲3 vs here

Real Estate Snapshot

Typical Home Value

$331K

Median Rent

—

Days on Market

—

Sale-to-List

—

Typical Home Value — 24 Months

Crime Overview

Total Incidents

5

Violent Crime

0

Property Crime

5

Crime statistics for this area are estimated from FBI-reported county-level data for Hamilton County, New York (2025). This ZIP does not yet have city-specific monthly crime data, so figures reflect the entire county rather than this ZIP alone.

Full Crime Report →

Nearby Schools

No public schools are located directly within this ZIP code.

The Schools score above is estimated from schools in nearby ZIP codes. Source: National Center for Education Statistics (NCES).

Full School Report →

Demographics

Population

396

Median Income

$56K

Homeownership

68%

Median Age

52.4 yrs

Source: US Census Bureau ACS 5-Year Estimates (2024).

Map

Frequently Asked Questions

ZIP 12108 has a reported-crime score of 95/100. A higher score represents a lower reported-crime rate under the best available data tier for this ZIP; it is not a guarantee of safety. Review the crime report and current local police data before making a decision.
ZIP 12108 has a school score of 56/100. The index combines reported SY 2021–22 math and reading proficiency with grade-band coverage. Nearby or county-level estimates may be used where ZIP-level reporting is sparse, and state assessment standards are not directly comparable.
The latest home value or sale-price figure available for ZIP 12108 is approximately $331K. The profile identifies the underlying source; Zillow ZHVI is a typical home value measure, while Redfin data is a median sale-price measure. These are different metrics and may lag current listings.
ZIP 12108 in Speculator has an overall NeighborScore of 77/100. It combines the crime score (53%) and school score (47%); affordability is context only. Use the component data and its coverage notes rather than treating the composite as a complete measure of livability.