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Spencer
Kentucky

20K

Population

$101K

Median Income

$379K

Median Home

R+54

Politics

Economy

Median Household Income$101K

This county

national avg ~$75K

Poverty Rate8.3%

This county

national avg ~11.5%

Unemployment Rate3.9%

This county

national avg ~3.8%

GDP per Capita$20,346

Federal Spending per Capita$209

Median Individual Earnings$47K

This county

national avg $45K

Professional/Management Workers34.6%

Average Adjusted Gross Income$81K

Avg Credit Score665

Work From Home %9.0%

This county

national avg 17.0%

Population Under 1823.2%

This county

national avg 22.0%

Single-Person Households15.0%

This county

national avg 28.0%

Income (20th Percentile)$42K

Income (80th Percentile)$161K

Income (95th Percentile)$227K

Bachelor's Degree or Higher21.4%

This county

national avg 35.0%

Less Than High School7.4%

This county

national avg 11.0%

Knowledge Economy GDP %9.2%

Dependency Ratio0.97

Medicare Spending / Person$2,896

SS Benefits / Person$3,678

Education Wage Premium1.58x

Median Earnings (Bachelor's)$66K

Median Earnings (Graduate)$67K

Median Earnings (HS Diploma)$42K

Public Assistance Recipients1.8%

Average Annual Wage$46K

Professional Services Concentration0.75x national

This county

1.0 = national average share

Housing

Median Home Value$368K

This county

$215K state avg

$303K national

Market Rent (ZORI)$927/mo

This county

$1050/mo state avg

$1400/mo national

Property Tax Rate0.74%

This county

0.78% state avg

1.10% national

Annual tax on median home: $2,135

Affordability & Supply

HUD Fair Market Rent (2BR)$1,272/mo

Home Price Change (1 yr)+2.3%

Home Value to Income Ratio2.6x income

Severely Cost-Burdened Households6.2%

Homeownership Rate86.2%

This county

national avg ~65%

Market Activity

Listings with Price Cuts— Low — market moving fast

18.9%

Active Listings

New Listings / Month

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace

30 days

Months of Supply (Redfin)— Low inventory — sellers market

2.5 mo

Sold Above List (Redfin)

24.0%

Sale-to-List Ratio (Redfin)— Sellers market — homes selling at or above list

99.1%

Source: Redfin · Updated monthly

Health

Life Expectancy76.7 yrs

This county

national avg ~78.5 years

Food Insecurity7.5%

This county

national avg ~11%

Primary Care Shortage Score14

This county

national avg 5

Mental Health Shortage Score18

Dental Care Shortage Score15

Healthcare Shortage Score15.7

Healthcare Offices14

Active Physicians17

Nursing Home Rating2.0 / 5

This county

national avg ~3 stars

ER Visits per 1,000 Medicare Patients607 / 1,000

Medicare Cost per Beneficiary$11,182

Uninsured (under 65)6.1%

This county

national avg ~10%

Education

Math Test Scores3.44 grade level

Reading Test Scores3.40 grade level

HS Diploma Holders4,186

Bachelor's Degree Holders1,297

HS Completion Rate92.6%

This county

national avg ~85%

Safety

Violent Crime Rate4.1 / 1,000

This county

national avg ~4.0

Firearm Fatality Rate19.8 / 100K

This county

national avg ~13.6/100K

Drug Overdose Rate23.8 / 100K

This county

national avg ~21/100K

Traffic Fatalities2

Social Vulnerability (CDC SVI)4th pct

Drug Overdose Deaths (2024)30.3 / 100K

Suicide Rate21.6 / 100K

This county

national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.4

January Sunshine-0.62

January Temperature-0.01

Average Temp57°F

Avg High Temp68°F

Avg Low Temp46°F

Median AQIAQI 55

Good Air Days117 days/yr

Unhealthy Air Days21 days/yr

Annual Precipitation60.5 in/yr

Avg Storm Events3.2 storms/yr

Avg Annual Storm Damage$20K

Drought Index (2022)-0.19

Heating Degree Days4,431 HDD/yr

This county

national avg ~4,500 HDD/yr

Cooling Degree Days1,361 CDD/yr

This county

national avg ~1,200 CDD/yr

Heating Degree Days (1901–2000 Baseline)4,822 HDD/yr

Cooling Degree Days (1901–2000 Baseline)1,176 CDD/yr

Avg Tornadoes / Year0.6

Avg Flood Events / Year0.6

Avg Hail Events / Year0.6

Avg Hurricane Events / Year0.00

Avg Wildfire Events / Year0.0

Avg Winter Storms / Year0.0

Avg Heat Events / Year0.0

Natural Hazard Risk (FEMA)29 / 100

Community Resilience (FEMA)90 / 100

Federal Disaster Declarations29 since 1953

Fine Particulate Pollution (PM2.5)8.8 µg/m³

This county

EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)14 properties

FAA-Registered Airports2 total

Airports (excl. heliports)1 airports

Internet & Remote Work

Download Speed217 Mbps

This county

national avg ~120 Mbps

Upload Speed37 Mbps

Fixed Internet (Q1 2026)344 Mbps

Mobile Internet (Q1 2026)435 Mbps

Mobile Upload (Q1 2026)45 Mbps

Mobile Latency (Q1 2026)31 ms

Households with 100Mbps+76.9%

This county

national avg 75.0%

Cellular-Only Internet14.9%

This county

national avg 8.0%

Fixed Upload Speed (Q1 2026)226 Mbps

Commute & Transit

Remote Workers854 workers

Public Transit Commuters0 workers

Walk to Work75 workers

Extreme Commutes (90+ min)66 workers

Avg Commute Time29.8 min

This county

national avg ~27 min

Walk to Work0.8%

Families & Childcare

Childcare Cost Burden14.3%

This county

national median ~27% of household income

Childcare Centers5.8 per 10K residents

Civic & Community

Voter Turnout78.6%

This county

national avg ~55%

Volunteering Rate1.0%

Income Inequality (Gini)3.815

Nonprofit Organizations77

Veterans Share6.5%

This county

national avg 7.0%

Married Adults61.4%

Never-Married Adults22.4%

Divorced Adults11.8%

Religious Organizations13

Asian Population0.4%

Native American Population0.1%

Membership Associations5.5 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.31 per 1K residents

Recreation Businesses3

Professional Services Firms19

Veterinary Practices3

Real Estate Firms8

Debt Burden

Avg Mortgage Balance$64K

Avg Student Loan Balance$9K

Avg Credit Card Balance$4K

Loan Delinquency Rate49.5%

This county

national avg 4.0%

Innovation

Inventor Rate0.15%

Politics

R+54

2024 Presidential · Kentucky was R+26 statewide

vs Kentucky State

Income tax

4%Same (state law)

Property tax

0.74%0.78% state avg

Politics

R+54R+26

COL Index

County data85 (state)

Population & Migration

Net Domestic Migration 2023

↑ +295

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.92x avg income)

Economic Mobility

44%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Spencer County

Median home value: $379K

View on Zillow →View on Realtor.com →

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Local News — Spencer

MaxPreps · 2 weeks ago

Schedule - Spencer County Bears (Taylorsville, KY) JV Football 26-27

Submit the schedule. Help the team by uploading this season's schedule. ... Partnerships: ... PlayOn…

UKNow · May 7, 2026

From Hazard to healing: UK pharmacy grad driven to serve Appalachia

Growing up in Perry County, Kentucky, Beth Spencer was taught that education would be her path forwa…

The Courier-Journal · 2 weeks ago

Kentucky high school football picks for Week 1 Louisville-area games

Jason Frakes, Chris Labar, John Spears and Kent Spencer make their picks for Week 1 high school foot…

WBIR · Jun 28, 2026

Spencer County, KY sees severe flooding after heavy rain

More Videos ... Heavy rains in Spencer County, Kentucky, caused flash floods, road closures, and cro…

Kentucky Lantern · Jun 27, 2026

Four dead in widespread flooding across Kentucky, Gov. Beshear confirms

Gov. Andy Beshear declared a state of emergency due to widespread flooding on Saturday with more rai…

Horse Sport · Apr 26, 2026

Spencer and Artist Stay on Top at Kentucky CCI5*-L

New Zealand's Monica Spencer and her Thoroughbred gelding Artist showed grit, speed and poise as the…

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

SpencerKentucky

Spencer
Kentucky