Home values, rents and more in ZIP code 12108 (Speculator, NY)
September 2026 figures from Zillow and the U.S. Census Bureau · updated 2026-11-07
Open 12108 in ProMap- Under $240k
- $240k–$270k
- $270k–$320k
- $320k–$340k
- $340k+
- No data
How 12108 compares
The typical home in ZIP code 12108 (Speculator, NY) is worth about $331,000, according to the Zillow Home Value Index for September 2026. Home values in 12108 are 37% below the typical value in New York ($525,000) and 10% below the U.S. typical value ($366,000).
Over the past year, home values in 12108 rose 3.7%, compared with +5.6% in New York and +1.2% nationally.
The median household income is $55,625, against $85,974 in New York and $80,734 in the U.S. (Census Bureau, American Community Survey 2020–24).
About 350 people live in 12108 (American Community Survey 2020–24).
12108 has the 769th-highest typical home value of the 1,561 ZIP codes in New York with Zillow figures.
Part of: Speculator, NY · Hamilton County, NY · New York
More for 12108 in ProMap Plus
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- 5- and 10-year price changes
- Days on market and months of supply
- Price cuts and sale-to-list ratio
- Price-to-income and monthly cost to buy
- Zillow 12-month price forecast
- Crime rates
- School test scores
- Homeowners insurance premiums
- Commute time to downtown
- Flood, wildfire and natural hazard risk
- Property-tax rate
- 2024 presidential vote
- Age, education and household make-up
- Amenities and transit nearby
Nearby ZIP codes
Sources
Home values: Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted, September 2026. Rents: Zillow Observed Rent Index (ZORI), seasonally adjusted. Population: Census population estimates (July 2025) for states, metros and counties; ACS 2020–24 for cities and ZIP codes. Income: U.S. Census Bureau, ACS 2020–24 5-year estimates. Boundaries: U.S. Census Bureau cartographic boundary files. Compiled by Home Economics.
"Typical" is Zillow's middle-tier value (homes between the 35th and 65th percentiles), not a median sale price. Changes are over the 12 months to September 2026.