Rent in Speculator, NY
A 2-bedroom in Speculator, NY (ZIP 12164) typically rents for about $1,196 a month, with a range of $1,196–$1,287. Owner-occupied homes in Hamilton County pay about 1.00% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $968 | $968 | 1 |
| 1 bed | $982 | $982 | 1 |
| 2 beds | $1,196 | $1,196–$1,287 | 1 |
| 3 beds | $1,542 | $1,542 | 1 |
| 4 beds | $1,703 | $1,703 | 1 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Speculator ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Speculator, NY?
- About $1,196 a month: the median of the typical rents in 1 ZIP code, which range from $1,196–$1,287. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Speculator, NY?
- About $982 a month: the median of the typical rents in 1 ZIP code, which range from $982. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Speculator, NY?
- About $1,542 a month: the median of the typical rents in 1 ZIP code, which range from $1,542. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Speculator, NY?
- About $968 a month: the median of the typical rents in 1 ZIP code, which range from $968. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Speculator, NY?
- About $1,703 a month: the median of the typical rents in 1 ZIP code, which range from $1,703. Figures are gross rent (rent plus tenant-paid utilities).
- What is the property tax rate in Speculator, NY?
- Owner-occupied homes in Hamilton County pay a typical 1.00% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Speculator rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).