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Spencer, IA
Full City Profile · Iowa · Clay County County
3.2
/5.0
B
Good
11,393
Population
1,040/sq mi density
$57,068
Median Income
$36,456 per capita
$178,300
Home Value
$191,239 Zillow
$795
Median Rent
26.5% income on rent
46°F
Avg Temperature
260 sunny days/yr
64
Violent Crime/100K
1,662 property/100K
B
Overall
3.2 / 5.0
Good overall score based on economy, affordability, safety and education
B+
Economy
3.8 / 5.0
$57,068 median income, 3.3% unemployment
A+
Affordability
4.9 / 5.0
$178,300 home value, $795/mo rent
F
Safety
1.0 / 5.0
64 violent crimes/100K
B
Education
3.3 / 5.0
28.2% bachelor's degree or higher
Spencer experiences four distinct seasons with an average annual temperature of 46°F (8°C). Winters average 16°F in January while summers reach 73°F in July. The area gets 260 sunny days per year. Annual precipitation totals 31.0 inches. The area receives 43.3 inches of snow annually. Air quality is rated Good with a median AQI of 43.
Temperature
16°F Jan (-9°C)
73°F Jul (23°C)
| Annual Average | 46.1°F |
| 15% below US avg | |
| January Average | 16°F (-9°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 1,317 ft (401 m) |
| Area | 11.1 sq mi (28.7 km²) |
| Population Density | 1,040/sq mi |
| Coordinates | 43.1470°N, 95.1527°W |
| Timezone | America/Chicago |
| County | Clay County County |
| Nearest Airport | Fort Dodge Regional (FOD) 64 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 36.4 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 72.0 / 100 |
Hazard Breakdown
| Tornado | Relatively Low |
| Earthquake | Very Low |
| Wildfire | Very Low |
| Flood | Relatively Low |
| Hail | Relatively Moderate |
| Strong Wind | Relatively Low |
| Heat Wave | Very Low |
| Winter Weather | Relatively Moderate |
| Lightning | Very Low |
| Ice Storm | Relatively Low |
| Drought | Relatively Low |
| Cold Wave | Relatively Low |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 16°F (-9°C) | 0.5 in | Coldest, Driest |
| February | 21°F (-6°C) | 0.7 in | |
| March | 33°F (0°C) | 1.9 in | |
| April | 47°F (8°C) | 2.8 in | |
| May | 60°F (15°C) | 3.5 in | |
| June | 69°F (21°C) | 4.1 in | Wettest |
| July | 73°F (23°C) | 4.0 in | Warmest |
| August | 70°F (21°C) | 3.9 in | |
| September | 62°F (17°C) | 3.4 in | |
| October | 49°F (10°C) | 2.1 in | |
| November | 33°F (0°C) | 1.2 in | |
| December | 19°F (-7°C) | 0.8 in |
Spencer has a seasonal temperature swing of 57°F / from 16°F in January to 73°F in July. Total annual precipitation is 29.0 inches, with June being the wettest month (4.1") and January the driest (0.5").