12164 Property Tax Rate
Speculator, New York · Part of Hamilton County
Effective Tax Rate
1.21%
57.4% below state avgMedian Annual Tax
$2,237
$186/mo escrow
Estimate Your Tax
Annual Tax
$2,237
Monthly
$186
Eff. Rate
1.21%
Buyer decision brief
What ZIP 12164 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$186/mo
Based on median annual tax paid
State context
0.64 percentage points below the New York average
New York average: 1.85%
Data confidence
Use cautionThe Census margin of error is $1,063, about 48% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Hamilton County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 12164 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
High margin of error
$1,063 tax MOE, 48% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Hamilton County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 12164
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $185,200, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.21%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on New York and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $186 per month before insurance, HOA dues, or special assessments.
Assessor verification
Hamilton County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 12164 Compares
Median Annual Property Tax
ZIP 12164
1.21%
Effective rate
New York Avg
1.85%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in New York
Lower than 80% of ZIP codes in New York(20th percentile, 1,598 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 12164
Property owners in ZIP code 12164 (Speculator, New York) pay a median of $2,237/year in property taxes on homes valued at $185,200. This translates to an effective tax rate of 1.21%, which is 35% below the New York state average of 1.85%.
The monthly property tax burden for a median-valued home in 12164 is approximately $186, which factors into escrow payments on mortgages. This ZIP code is located within Hamilton County. This is $3,015 less than the New York average of $5,252/year.
Compared to similar ZIP codes in New York, 12164 has higher property taxes. ZIP codes with similar effective rates include 12878 (1.20%) and 11946 (1.21%).
In Speculator, property taxes represent approximately 3.8% of the median household income of $58,594, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 12164, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Hamilton County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 12164?
How much are property taxes in Speculator, NY (12164)?
How does ZIP 12164 compare to the New York average?
What is the median home value in ZIP 12164?
What county is ZIP code 12164 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$1,063. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 12164 is part of Hamilton County, New York. View the full county profile for broader context and more data.
View Hamilton County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 12164
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
12139
Piseco, NY
0.70 percentage points lower than ZIP 12164.
Rate
0.51%
Tax
$1,367
Quality
82
13436
Raquette Lake, NY
0.59 percentage points lower than ZIP 12164.
Rate
0.61%
Tax
$1,688
Quality
67
12812
Blue Mountain Lake, NY
0.57 percentage points lower than ZIP 12164.
Rate
0.63%
Tax
$2,490
Quality
82
12108
Lake Pleasant, NY
0.30 percentage points lower than ZIP 12164.
Rate
0.91%
Tax
$2,500
Quality
77
12190
Wells, NY
0.28 percentage points lower than ZIP 12164.
Rate
0.93%
Tax
$2,359
Quality
77
12842
Indian Lake, NY
0.21 percentage points lower than ZIP 12164.
Rate
1.00%
Tax
$2,264
Quality
82
12847
Long Lake, NY
0.16 percentage points lower than ZIP 12164.
Rate
1.05%
Tax
$2,736
Quality
82
12134
Northville, NY
0.03 percentage points lower than ZIP 12164.
Rate
1.18%
Tax
$2,335
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.