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Fair Market Rent in 12164 — Speculator, NY
The typical 1-bedroom rent in 12164 (Speculator, NY) is $1,146/month as of 2026, based on 3 data sources. Rents have risen 17.8% year over year, so an increase above 17.8% exceeds the local market trend. Studio: $1,240. 2-bedroom: $1,650.
Rents in Speculator have grown approximately +17.8% (HUD estimate) over the past year based on HUD Fair Market Rent. A rent increase above 17.8% is above the local market trend.
Estimated Rent · 1-Bedroom
$1,146/mo
Source: HUD Estimated Rent
Data through
Based on federal benchmarks and 2 additional market sources.
The HUD Fair Market Rent for a 1-bedroom in 12164 (Speculator, NY) is $1,260 for FY2026.
Rents in 12164 have increased 17.8% year-over-year based on HUD Fair Market Rent.
The confidence level for this estimate is moderate based on 3 data sources.
Based on HUD Fair Market Rent, a fair rent increase in Speculator (12164) is approximately 17.8% for 2026. The typical 1-bedroom rent is $1,146/month. Any increase significantly above 17.8% exceeds the local market trend and may be worth negotiating.
Sources: HUD Fair Market Rent, HUD SAFMR FY2026, Rentcast. Updated October 2025.
Market trend data is limited for this area. The analysis below uses federal rent benchmarks.
What Should Rent Cost in 12164 (Speculator)?
Typical rent ranges based on HUD benchmarks and market data. In areas with limited listing data, ranges reflect federal benchmarks and may be wider than actual market conditions.
A studio in 12164 (Speculator) typically rents for $1,240 – $1,426.
Rents above $1,640 are in the top 25% for this area.
A 1-bedroom in 12164 (Speculator) typically rents for $1,260 – $1,449.
Rents above $1,666 are in the top 25% for this area.
A 2-bedroom in 12164 (Speculator) typically rents for $1,650 – $1,897.
Rents above $2,182 are in the top 25% for this area.
A 3-bedroom in 12164 (Speculator) typically rents for $1,980 – $2,277.
Rents above $2,619 are in the top 25% for this area.
A 4-bedroom in 12164 (Speculator) typically rents for $2,180 – $2,507.
Rents above $2,883 are in the top 25% for this area.
Current Asking Rents in 12164
What are apartments actually renting for near 12164? Click below to see live asking rents from current listings.
Live market data · Updated daily
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Federal Rent Benchmarks for 12164
HUD Fair Market Rents are federal rent benchmarks used for housing programs, published annually by HUD.Note: These values represent the HUD metro-area benchmark for the Hamilton County, NY area, not zip-specific rates.
| Bedroom Size | Fair Market Rent | Estimated Rent |
|---|---|---|
| Studio | $1,240 | $1,131 |
| 1-Bedroom | $1,260 | $1,146 |
| 2-Bedroom | $1,650 | $1,504 |
| 3-Bedroom | $1,980 | $1,803 |
| 4-Bedroom | $2,180 | $1,991 |
Source: HUD SAFMR FY2026 · Updated
Questions about rent in 12164
What is the average 1-bedroom rent in 12164?
The typical 1-bedroom rent in 12164 (Speculator, NY) is $1,146/month as of 2026. This page also shows nearby bedroom benchmarks, including studio rent at $1,240 and 2-bedroom rent at $1,650.
What is a fair rent increase in 12164?
A rent increase up to about 17.8% is in line with the recent local market trend in 12164. An increase above that level is above trend and may justify a closer review against local pricing and comparable apartments.
Are rents going up or down in 12164?
Rents in 12164 have risen 17.8% year over year based on the local trend data used on this page.
How much do studios and 2-bedrooms cost in 12164?
On this page, studio rent in 12164 is $1,240/month and 2-bedroom rent is $1,650/month. These figures help show whether your current or proposed rent fits the broader local bedroom mix.
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These zip codes have similar 1-bedroom rents to 12164 ($1,260/mo) — useful for comparing what your rent gets you in other markets.
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Market data updated monthly from public and third-party sources. Actual rents vary by unit, building, and lease terms. For informational purposes only — not legal or financial advice. See methodology →