ZIP Code Market Report
12108 — Speculator, NY
Data through February 2026 · Updated monthly
Avg Home Value
$308,609
▲ 3.1% year-over-year
Month-over-Month
-0.4%
▼ 0.4%
Single Family
$306,888
Condo / Co-op
--
The average home value in the 12108 ZIP code (Speculator, NEW-YORK) is $308,609 as of February 2026. Home prices are rising, up 3.1% compared to last year.
A 3-bedroom home in 12108 is valued at $379,320.
The market in 12108 has a $487,346 spread between bottom-tier homes at $149,301 and top-tier homes at $636,647. Bottom-tier properties represent the primary opportunity range for real estate investors using the 70% rule, fix-and-flip, or BRRRR strategies.
This report is part of the Hamilton County market area in NEW-YORK. For a broader view of the housing market including rent data, market activity, and affordability analysis, see the full Hamilton County report.
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Market Snapshot
12108 Housing Market at a Glance
Key metrics for the last 3 months with trend direction.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $314,120 | $309,809 | $308,609 | ▼ 1.8% |
| Single Family Value | $303,471 | $304,737 | $306,888 | ▲ 1.1% |
Home Values
12108 Home Value Trend
Historical home values for ZIP code 12108. Switch between All Homes, Single Family, Bottom Tier, and Top Tier.
Source: Zillow Research ZHVI / ZORI · Updated monthly
By Bedroom
What Homes Cost in 12108
Median home values by bedroom count in this ZIP code.
| Bedrooms | Median Value |
|---|---|
| 2 Bedrooms | $265,471 |
| 3 Bedrooms | $379,320 |
| 4 Bedrooms | $487,372 |
Property Types
Home Values by Property Type in 12108
How different property types compare in this ZIP code.
All Homes
$308,609
Single Family
$306,888
Bottom Tier
$149,301
Top Tier
$636,647
Data Sources and Methodology
Home value data for ZIP code 12108 comes from the Zillow Home Value Index (ZHVI), updated monthly. ZHVI measures the typical home value using Zillow's automated valuation model, smoothed and seasonally adjusted.
This report was last updated February 2026. Data is refreshed on the 17th of each month.
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