Median Income
$54,250
28% lower than US avg
Home Value
$92,200
67% lower than US avg
Violent Crime
69/100K
82% lower than US avg
Bachelor's+
17.2%
49% lower than US avg
Median Rent
$655
44% lower than US avg
Obesity Rate
34.9%
9% higher than US avg
Unemployment
2.7%
25% lower than US avg
Poverty Rate
4.0%
68% lower than US avg
How Spalding Compares to the U.S. Average (100% = U.S. avg)
People
Population389
Median Age62.3 yrs
Density1,216/mi²
Male / Female48% / 52%
Largest GroupWhite 95%
Veterans20.7%
Economy
A
Median Income$54,250
Per Capita$28,773
Unemployment2.7%
Poverty4.0%
County GDP$192M
Commute9 min
Housing
A+
Home Value$92,200
Rent$655
Ownership92.0%
Zillow$259,633
Housing Units215
Rent Burden51.0%
Crime
F
Violent69/100K
Property1,714/100K
Health
Obesity34.9%
Uninsured9.4%
Smoking15.3%
Depression17.7%
Heart Disease5.5%
Climate
Avg Temp48°F (9°C)
AQI32 (Good)
Rain27.2 in/yr
Sunny Days308/yr
Elevation1,909 ft (582 m)
Education
C
Bachelor's+17.2%
High School+99.0%
Graduate+3.1%
School Score5.89
Community
2024 VoteR 83% / D 16%
Commute9 min
Broadband89.7%
EV Stations1
Libraries2
Is Spalding a Good Place to Live?
Based on current data, Spalding receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Spalding offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Spalding is $54,250, 28% below the national average of $75,149. The job market is very strong with unemployment at just 2.7%. Only 4.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 9 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Spalding is $92,200, 67% below the national median / offering relatively affordable homeownership. Renters pay a median of $655 per month, below the national average / a plus for affordability. At just 1.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Spalding is a very safe community with a violent crime rate of 69 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,714 per 100,000, near the national average.
Education
17.2% of residents hold a bachelor's degree, below the national average of 33.7%. 99.0% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Spalding experiences four distinct seasons with an average temperature of 48°F. Winters average 22°F in January while summers reach 74°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 27.2 inches, including 26.6 inches of snow. Air quality is rated Good with a median AQI of 32.
Spalding has a population of 389 with a density of 1,216 people per square mile, spread across 0.3 square miles. The median age is 62.3 years, 60% older than the national median of 38.9. The gender split is 51.9% female and 48.1% male. The city is predominantly White (94.9%). English is the primary language spoken at home by 95.9% of residents. 20.7% of the population are veterans, above the national rate of 6.0%. 25.0% of residents have a disability (above the 13.0% national average). 93.1% have health insurance coverage.
Population
62.3yrs
Median Age
60% above US avg
Language Spoken at Home
English Only
95.9%
22% above US avg
Spanish
4.1%
69% below US avg
The median household income in Spalding is $54,250, which is 28% below the national average of $75,149. Per capita income is $28,773 (below the $39,052 national figure). The average weekly wage is $829, 42% lower than the U.S. average. The unemployment rate is 2.7% (below the 3.6% US average). 4.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 121 business establishments, including 4 restaurants. The cost of living index is 90.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 9 minutes (shorter than the 28-minute US average). 6.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $54,250 |
| 28% below US avg |
| Per Capita Income | $28,773 |
| Avg Weekly Wage | $829 |
| IRS Avg AGI | $52,773 |
| Gini Index | 0.411 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.7% |
| 25% below US avg |
| Poverty Rate | 4.0% |
| 68% below US avg |
| Establishments (County) | 121 |
| County GDP | $192M |
Business (County)
| Restaurants | 4 |
| Healthcare | 3 |
| Retail | 15 |
| Manufacturing | 3 |
Tax & Cost of Living
| |
| Cost of Living | 90.10 (100=avg) |
Commute & Transportation
| Commute Time | 9.3 min |
| Drive Alone | 66.0% |
| Public Transit | 0.0% |
| Work from Home | 6.1% |
The median home value in Spalding is $92,200, 67% below the national median of $281,900. Zillow estimates the typical home value at $259,633, higher than the Census estimate. Monthly rent averages $655 (44% below the national average of $1,163). Fair market rent ranges from $791 for a one-bedroom to $1,001 for a two-bedroom apartment. 92.0% of housing units are owner-occupied (above the 65.4% national rate). There are 215 total housing units in the city. The median year a home was built is 1938. 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 1.7x, well within the affordable range.
Home Values
| Census Median | $92,200 |
| 67% below US avg |
| Zillow ZHVI | $259,633 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $655 |
| 44% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $706 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $1,001 |
| 3 Bedrooms | $1,274 |
| 4 Bedrooms | $1,409 |
Ownership & Property
| Homeownership | 92.0% |
| Owner-Occupied | 92.0% |
| Renter-Occupied | 8.0% |
| Housing Units | 215 |
| Median Year Built | 1938 |
Property Tax
In Spalding, 34.9% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.5% of residents. 30.1% have high blood pressure. 15.3% are current smokers. 22.6% report binge drinking. 25.9% are physically inactive. 17.7% report depression. 15.4% experience frequent mental distress. 9.4% of residents lack health insurance. The food environment index is 6.3 out of 10.
Health Metrics: Spalding vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.9% |
| 9% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.5% |
| High Blood Pressure | 30.1% |
| Asthma | 9.1% |
| COPD | 6.1% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 15.3% |
| 9% above US avg |
| Binge Drinking | 22.6% |
| Physical Inactivity | 25.9% |
| Depression | 17.7% |
| Mental Distress | 15.4% |
| Physical Distress | 11.7% |
| Short Sleep | 34.0% |
Healthcare Access
| Insurance Rate | 93.1% |
| Uninsured | 9.4% |
| 9% above US avg |
| Mental Health | 1:2,219 |
| Checkup Rate | 71.2% |
| Dental Visits | 60.1% |
| Premature Death | 6,009/100K |
Food & Exercise
| Food Environment | 6.3/10 |
| Healthcare Facilities | 3 |
Spalding has a violent crime rate of 69 per 100,000 residents, 82% below the national average of 380. Property crime stands at 1,714 per 100,000, 13% below the U.S. average. The area has experienced 91 federally declared disasters. Overall, Spalding receives a safety grade of F.
Crime Rates: Spalding vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 68.6/100K |
| 82% below US avg |
| |
Property Crime
| Total Property | 1,714.1/100K |
| 13% below US avg |
Traffic Safety
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Spalding experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 22°F in January while summers reach 74°F in July. The area gets 308 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 27.2 inches (drier than the 38-inch national average). The area receives 26.6 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 32. The city sits at an elevation of 1,909 feet.
Temperature
22°F Jan (-6°C)
74°F Jul (23°C)
| Annual Average | 48.3°F |
| 11% below US avg |
| January Average | 22°F (-6°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 308 days/yr |
Geography
| Elevation | 1,909 ft (582 m) |
| Area | 0.3 sq mi (0.8 km²) |
| Population Density | 1,216/sq mi |
| Coordinates | 41.6893°N, 98.3626°W |
| Timezone | America/Chicago |
| County | Greeley County County |
| Nearest Airport | Central Nebraska Regional (GRI)
50 miles away |
Precipitation & Snow
Annual Rainfall
27.2"
28% below US avg
Wettest Month (Jun)
3.86"
Air Quality
| AQI Median | 32.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 12.7 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 40.6 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
13 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.3. Most recent: M2.7 on Feb 5, 2025.
| Nov 3, 2002 |
16 km SSW of Butte, Nebraska |
M4.3 |
128 km |
| Jun 4, 2021 |
10 km NE of Anoka, Nebraska |
M3.7 |
150 km |
| Feb 6, 1996 |
1 km N of Wausa, Nebraska |
M3.6 |
114 km |
| Jan 4, 2016 |
11 km NW of Westerville, Nebraska |
M3.5 |
95 km |
| Aug 9, 1997 |
9 km NW of Clarkson, Nebraska |
M3.4 |
98 km |
| Jun 20, 2002 |
8 km NE of Scotia, Nebraska |
M3.3 |
30 km |
| Sep 26, 2010 |
11 km S of Oconto, Nebraska |
M3.1 |
137 km |
| Jun 4, 2021 |
9 km ENE of Anoka, Nebraska |
M3.1 |
148 km |
| Jul 18, 1990 |
10 km SSW of Ord, Nebraska |
M3.0 |
53 km |
| Feb 1, 2006 |
6 km ENE of Bassett, Nebraska |
M2.9 |
138 km |
| Jan 1, 2020 |
2 km E of Chambers, Nebraska |
M2.8 |
65 km |
| Feb 5, 2025 |
8 km SSE of Tilden, Nebraska |
M2.7 |
56 km |
| Mar 6, 2024 |
6 km SSE of Santee, Nebraska |
M2.5 |
130 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
603 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 28 fatalities, 393 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 16, 2014 |
EF4 |
89 km |
0 |
| Jun 3, 1980 |
EF4 |
86 km |
3 |
| Apr 7, 1978 |
EF4 |
91 km |
0 |
| Apr 7, 1978 |
EF4 |
97 km |
0 |
| May 6, 1975 |
EF4 |
87 km |
0 |
| May 8, 1965 |
EF4 |
93 km |
4 |
| May 8, 1965 |
EF4 |
57 km |
0 |
| May 5, 1964 |
EF4 |
32 km |
0 |
| May 30, 1954 |
EF4 |
53 km |
6 |
| Jun 7, 1953 |
EF4 |
75 km |
11 |
| Apr 26, 2024 |
EF3 |
58 km |
0 |
| Oct 4, 2013 |
EF3 |
92 km |
0 |
| Jun 20, 2011 |
EF3 |
87 km |
0 |
| Oct 9, 2001 |
EF3 |
80 km |
0 |
| Jun 3, 1999 |
EF3 |
68 km |
0 |
| Mar 13, 1990 |
EF3 |
90 km |
0 |
| Jun 11, 1984 |
EF3 |
79 km |
0 |
| Apr 25, 1984 |
EF3 |
58 km |
0 |
| Jun 3, 1980 |
EF3 |
75 km |
1 |
| Jun 3, 1980 |
EF3 |
80 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
4 wildfires (100+ acres) within 100 km.
Largest: LOWERY (4,881 ac, 2023).
| Year |
Name |
Acres |
Distance |
| 2023 |
LOWERY |
4,881 |
72 km |
| 1998 |
UNNAMED |
3,688 |
85 km |
| 1995 |
UNNAMED |
2,911 |
38 km |
| 2000 |
UNNAMED |
2,456 |
34 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
22°F (-6°C) |
0.4 in |
Coldest, Driest |
| February |
27°F (-3°C) |
0.6 in |
|
| March |
37°F (3°C) |
1.8 in |
|
| April |
49°F (9°C) |
2.6 in |
|
| May |
60°F (15°C) |
3.6 in |
|
| June |
70°F (21°C) |
3.9 in |
Wettest |
| July |
74°F (23°C) |
3.3 in |
Warmest |
| August |
72°F (22°C) |
3.0 in |
|
| September |
63°F (17°C) |
2.4 in |
|
| October |
51°F (11°C) |
1.6 in |
|
| November |
35°F (2°C) |
1.1 in |
|
| December |
24°F (-4°C) |
0.6 in |
|
Spalding has a seasonal temperature swing of 52°F / from 22°F in January to 74°F in July. Total annual precipitation is 24.9 inches, with June being the wettest month (3.9") and January the driest (0.4").
Average costs for common services in Spalding. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$225 ($135–$360) |
| Specialist Visit |
$315 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$315) |
| Emergency Room Visit |
$1,982 ($721–$4,505) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$225 ($135–$360) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$270 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($360–$901) |
| Battery Replacement |
$180 ($90–$315) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$360 ($135–$721) |
| HVAC System Install |
$6,307 ($3,604–$10,812) |
| Roof Repair |
$901 ($360–$1,802) |
| Roof Replacement |
$8,109 ($4,956–$13,515) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,352 ($451–$3,154) |
| Divorce (Contested) |
$13,515 ($4,505–$27,030) |
| DUI Defense |
$4,505 ($1,802–$9,010) |
| Bankruptcy (Chapter 7) |
$1,352 ($721–$2,703) |
| Will Preparation |
$451 ($180–$901) |
| Trust Preparation |
$2,253 ($901–$4,505) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$225) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.69 ($2.70–$4.96) |
| Dozen Eggs (per dozen) |
$3.15 ($2.25–$4.51) |
| Loaf of Bread |
$3.42 ($2.25–$4.96) |
| Chicken Breast (per lb) |
$4.05 ($2.70–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.60–$6.76) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$225) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,802 ($1,081–$3,154) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.21–$23) |
| Car Registration (Annual) |
$90 ($27–$225) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,081 ($541–$2,253) |
| Daycare (Toddler, Monthly) |
$901 ($451–$1,802) |
| After-School Care (Monthly) |
$360 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$901 ($360–$2,253) |
| Private School (K-12, Annual) |
$11,263 ($4,505–$27,030) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$270 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$360) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $811 |
| Toddler | $769 |
| Preschool | $704 |
| Family Childcare (monthly) |
| Infant | $465 |
| Toddler | $487 |
| Preschool | $498 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Spalding
What is the population of Spalding?
Spalding has a population of 389 residents and is located in Nebraska. The population density is 1,216 people per square mile, spread across 0.3 square miles. The median age of residents is 62.3 years, which is older than the national median of 38.9 years. The population is 51.9% female and 48.1% male.
Is Spalding expensive to live in?
Spalding is more affordable than the national average, with a cost of living index of 90.1 / below the baseline of 100. The median household income is $54,250, 28% below the national average of $75,149. The median home value is $92,200 (67% below the U.S. median). Renters pay a median of $655 per month, below the national average of $1,163. The home price-to-income ratio is 1.7x, indicating housing is reasonably affordable relative to local income levels.
Is Spalding safe?
Spalding is considered a very safe city with a violent crime rate of 69 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,714 per 100,000 (below the national average). Overall, Spalding receives a safety grade of F based on combined crime data.
What is the weather like in Spalding?
Spalding has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 22°F in January, while summers reach an average of 74°F in July. The area receives 308 sunny days per year, well above the national average of 205. Annual rainfall totals 27.2 inches, with 26.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 32.
How is the job market in Spalding?
The job market in Spalding is very strong, with unemployment at just 2.7% / well below the national rate of 3.6%. The average weekly wage is $829. There are 121 business establishments in the area, including 4 restaurants and food service locations. The average commute time is 9 minutes, and 6.1% of workers work from home.
How much does housing cost in Spalding?
The median home value in Spalding is $92,200. Zillow estimates the typical home value at $259,633. For renters, the median monthly rent is $655. Fair market rent is $791 for a 1-bedroom and $1,001 for a 2-bedroom apartment. The homeownership rate is 92.0%.
How are the schools in Spalding?
Schools in Spalding score 5.9 out of 10 on standardized testing, near the national average. 17.2% of adults in Spalding hold a bachelor's degree or higher, below the national average of 33.7%. 99.0% have completed high school. 3.1% hold a graduate or professional degree.
How healthy is Spalding?
The obesity rate in Spalding is 34.9% (above the national rate of 32.1%). 15.3% of adults are smokers. 25.9% are physically inactive. 17.7% of residents report depression. 9.4% lack health insurance.
What is transportation like in Spalding?
The average commute in Spalding is 9 minutes, shorter than the national average of 28 minutes. 66% of workers drive alone to work, and 6.1% work from home.
What are the demographics of Spalding?
The racial and ethnic makeup of Spalding is 94.9% White, 0.8% Hispanic or Latino. 95.9% of residents speak only English at home, while 4.1% speak Spanish. 20.7% of the population are military veterans. 25.0% of residents have a disability. 93.1% have health insurance coverage.
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