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Spencer
Indiana

20K

Population

$66K

Median Income

$234K

Median Home

R+44

Politics

Economy

Median Household Income$66K

This county

national avg ~$75K

Poverty Rate9.3%

This county

national avg ~11.5%

Unemployment Rate2.6%

This county

national avg ~3.8%

GDP per Capita$58,116

Federal Spending per Capita$454

Median Individual Earnings$44K

This county

national avg $45K

Professional/Management Workers33.2%

Average Adjusted Gross Income$69K

Avg Credit Score691

Work From Home %3.7%

This county

national avg 17.0%

Population Under 1821.7%

This county

national avg 22.0%

Single-Person Households27.4%

This county

national avg 28.0%

Banks & Finance Firms13

Income (20th Percentile)$29K

Income (80th Percentile)$123K

Income (95th Percentile)$188K

Bachelor's Degree or Higher23.0%

This county

national avg 35.0%

Less Than High School7.5%

This county

national avg 11.0%

Knowledge Economy GDP %5.2%

Dependency Ratio1.08

Medicare Spending / Person$3,169

SS Benefits / Person$4,722

Education Wage Premium1.51x

Median Earnings (Bachelor's)$60K

Median Earnings (Graduate)$59K

Median Earnings (HS Diploma)$39K

Public Assistance Recipients4.0%

Average Annual Wage$48K

Professional Services Concentration0.31x national

This county

1.0 = national average share

Housing

Median Home Value$230K

This county

$240K state avg

$303K national

Market Rent (ZORI)$715/mo

This county

$1100/mo state avg

$1400/mo national

Property Tax Rate0.65%

This county

0.71% state avg

1.10% national

Annual tax on median home: $1,089

Affordability & Supply

HUD Fair Market Rent (2BR)$956/mo

Home Price Change (1 yr)+0.7%

Home Value to Income Ratio1.9x income

Severely Cost-Burdened Households6.1%

Homeownership Rate80.1%

This county

national avg ~65%

Market Activity

Listings with Price Cuts— Low — market moving fast

19.9%

Active Listings

New Listings / Month

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Fast market

12 days

Months of Supply (Redfin)— Balanced market

3.6 mo

Sold Above List (Redfin)

15.4%

Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list

97.7%

Source: Redfin · Updated monthly

Health

Life Expectancy76.5 yrs

This county

national avg ~78.5 years

Food Insecurity8.7%

This county

national avg ~11%

Food Environment Index9.0 / 10

This county

higher = better access

Primary Care Shortage Score11

This county

national avg 5

Mental Health Shortage Score16

Dental Care Shortage Score0

Healthcare Shortage Score9.0

Healthcare Offices16

Obesity Rate (BRFSS)39.5%

This county

national avg 32.0%

Smoking Rate (BRFSS)16.2%

This county

national avg 14.0%

Poor Health Rate (BRFSS)18.1%

This county

national avg 18.0%

Physical Inactivity (BRFSS)22.4%

This county

national avg 24.0%

High Blood Pressure (BRFSS)34.4%

This county

national avg 32.0%

Active Physicians8

Nursing Home Rating3.0 / 5

This county

national avg ~3 stars

ER Visits per 1,000 Medicare Patients465 / 1,000

Medicare Cost per Beneficiary$11,264

Uninsured (under 65)7.8%

This county

national avg ~10%

Adults with Depression27.3%

Education

Math Test Scores4.07 grade level

Reading Test Scores3.70 grade level

HS Diploma Holders5,173

Bachelor's Degree Holders1,868

HS Completion Rate92.5%

This county

national avg ~85%

Safety

Violent Crime Rate3.7 / 1,000

This county

national avg ~4.0

Firearm Fatality Rate13.9 / 100K

This county

national avg ~13.6/100K

Traffic Fatalities8

Social Vulnerability (CDC SVI)4th pct

Drug Overdose Deaths (2024)11.3 / 100K

Suicide Rate16.1 / 100K

This county

national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-2.2

January Sunshine-0.68

January Temperature0.10

Average Temp57°F

Avg High Temp67°F

Avg Low Temp46°F

Median AQIAQI 43

Good Air Days80 days/yr

Unhealthy Air Days1 days/yr

Annual Precipitation55.2 in/yr

Avg Storm Events8.6 storms/yr

Avg Annual Storm Damage$75K

Ozone Days0 days/yr

This county

national avg 50 days/yr

Drought Index (2022)0.18

Heating Degree Days4,471 HDD/yr

This county

national avg ~4,500 HDD/yr

Cooling Degree Days1,401 CDD/yr

This county

national avg ~1,200 CDD/yr

Heating Degree Days (1901–2000 Baseline)4,669 HDD/yr

Cooling Degree Days (1901–2000 Baseline)1,301 CDD/yr

Avg Tornadoes / Year0.8

Avg Flood Events / Year2.0

Avg Hail Events / Year1.6

Avg Hurricane Events / Year0.00

Avg Wildfire Events / Year0.0

Avg Winter Storms / Year0.0

Avg Heat Events / Year0.0

Natural Hazard Risk (FEMA)40 / 100

Community Resilience (FEMA)72 / 100

Federal Disaster Declarations15 since 1953

Fine Particulate Pollution (PM2.5)8.0 µg/m³

This county

EPA standard 9 µg/m³

Outdoor & Recreation

National Park Units1 unit

Historic Places (NRHP)9 properties

Internet & Remote Work

Download Speed181 Mbps

This county

national avg ~120 Mbps

Upload Speed34 Mbps

Fixed Internet (Q1 2026)341 Mbps

Mobile Internet (Q1 2026)213 Mbps

Mobile Upload (Q1 2026)13 Mbps

Mobile Latency (Q1 2026)43 ms

Households with 100Mbps+77.6%

This county

national avg 75.0%

Cellular-Only Internet20.6%

This county

national avg 8.0%

Fixed Upload Speed (Q1 2026)280 Mbps

EV Infrastructure

EV Charging Stations4 stations

DC Fast Chargers4 chargers

Level 2 EV Chargers12

Commute & Transit

Remote Workers356 workers

Public Transit Commuters2 workers

Walk to Work168 workers

Extreme Commutes (90+ min)138 workers

Walk to Work1.7%

Families & Childcare

Childcare Cost Burden20.0%

This county

national median ~27% of household income

Childcare Centers3.8 per 10K residents

Civic & Community

Voter Turnout68.1%

This county

national avg ~55%

Volunteering Rate1.0%

Income Inequality (Gini)4.199

Nonprofit Organizations148

Veterans Share8.9%

This county

national avg 7.0%

Married Adults57.6%

Never-Married Adults23.8%

Divorced Adults12.0%

Religious Organizations24

Asian Population0.4%

Native American Population0.0%

Membership Associations14.6 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.35 per 1K residents

Colleges & Universities1

Nursing & Care Facilities6

Grocery Stores6

Hotels & Lodging10

Recreation Businesses6

Professional Services Firms28

Veterinary Practices5

Real Estate Firms15

Debt Burden

Avg Mortgage Balance$75K

Avg Student Loan Balance$6K

Avg Credit Card Balance$4K

Loan Delinquency Rate41.1%

This county

national avg 4.0%

Innovation

Inventor Rate0.34%

Politics

R+44

2024 Presidential · Indiana was R+19 statewide

vs Indiana State

Income tax

3.05%Same (state law)

Property tax

0.65%0.71% state avg

Politics

R+44R+19

COL Index

County data87 (state)

Population & Migration

Net Domestic Migration 2023

↑ +137

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.75x avg income)

Economic Mobility

46%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Spencer County

Median home value: $234K

View on Zillow →View on Realtor.com →

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Local News — Spencer

Indiana Capital Chronicle · 2 weeks ago

Deery asks Indiana Supreme Court to take recount case, seeks emergency ballot pause

Sen. Spencer Deery is appealing an Indiana recount that rejected six ballots and gave Paula Copenhav…

Samaritan Affordable Funeral and Cremation Services · Jun 13, 2026

Andrea N. Shepard Obituary Jun 5, 2026

In Loving Memory of Andrea Nicole Shepard October 26, 1982 – June 5, 2026 Andrea Nicole Shepard, 43,…

WTHR · 2 weeks ago

Motorcyclist killed in 2-vehicle crash in Monroe County

MONROE COUNTY, Indiana — Police are investigating after a motorcyclist was killed in a two-vehicle c…

cruzfamilyfh.com · May 21, 2026

Spencer Lutz Obituary May 19, 2026

Spencer Troy Lutz, 55, passed away in his home on May 19, surrounded by the love of his family after…

Fox 59 · Jun 12, 2026

Deputy shot during welfare check in Owen County

UPDATE (6/17/2026): Deputy Martin was released from the hospital and is doing well, the Owen County …

the indiana citizen · 3 weeks ago

RESULTS OVERTURNED: Recount Commission finds Copenhaver won SD 23 GOP primary by 3 votes

By Marilyn Odendahl The Indiana Citizen August 11, 2026 Little more than an hour into the Indiana Re…

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

SpencerIndiana

Spencer
Indiana