ZIP code 12108 covers Speculator, New York in Hamilton County. This area is served by 12 utility providers across 3 categories. The average residential electricity rate here is 13.0¢/kWh. 4.7% of households use bottled/lp gas as their primary heating fuel.
Estimated monthly utility costs
$343/month
Cost estimates from U.S. Census ACS 5-year data · Shorter bar = lower cost
Electric
Water
Internet
Nearby ZIP codes
Frequently asked questions
How do I set up utilities when moving to 12108?
Contact each provider separately before your move-in date. Start with electric (New York State Elec & Gas Corp) since those typically need a few business days to activate. Water and sewer are often handled with one call to your local utility. Set up internet last since it may require an installation visit.
How much do utilities cost per month in 12108?
Total estimated monthly costs are around $342, which is about $41 less than the national average. Electricity is the biggest expense at roughly $125/month. Natural gas runs about $175. Water and sewer combined are around $43. Costs vary by home size, usage, and season. Estimates from U.S. Census ACS data.
Is electricity expensive in 12108?
No — electricity in Speculator, NY costs about 13% less than the national average. Compared to New York overall, rates here are about 17% lower. Based on 2023 NREL residential electricity rate data.
What internet providers are available in 12108?
Speculator, NY has broadband coverage. Providers include Frontier (Fiber / DSL up to 5,000 Mbps), Hamilton County Cable (Fiber up to 1,000 Mbps), T-Mobile (Fixed Wireless). Availability varies by street address. Based on FCC Broadband Data Collection filings.
What county is 12108 in?
ZIP code 12108 is in Hamilton County, New York.
Disclaimer: Provider information is sourced from federal databases including HIFLD, EPA SDWIS, FCC Broadband Data, and EIA-861. Utility cost estimates are from the U.S. Census Bureau American Community Survey 5-Year Estimates. Electric rates are based on 2023 NREL data. Coverage areas are approximate and may not reflect recent changes. Please verify directly with your provider.
Data sources: U.S. Census Bureau, NREL, EIA-861, HIFLD, EPA, FCC. Last updated: April 2026.