Spencer, IN
Full City Profile · Indiana · Owen County County
3.7
/5.0
B+
Good
2,308
Population
1,350/sq mi density
$47,994
Median Income
$31,716 per capita
$146,300
Home Value
$252,223 Zillow
$860
Median Rent
24.1% income on rent
53°F
Avg Temperature
B+
Overall
3.7 / 5.0
Good overall score based on economy, affordability, safety and education
B+
Economy
3.6 / 5.0
$47,994 median income, 3.1% unemployment
A+
Affordability
5.0 / 5.0
$146,300 home value, $860/mo rent
C
Education
2.5 / 5.0
18.3% bachelor's degree or higher
Spencer experiences four distinct seasons with an average annual temperature of 53°F (12°C). Winters average 29°F in January while summers reach 75°F in July. Annual precipitation totals 49.7 inches. The area receives 15.8 inches of snow annually.
Temperature
29°F Jan (-2°C)
75°F Jul (24°C)
| Annual Average | 52.8°F |
| 2% below US avg | |
| January Average | 29°F (-2°C) |
| July Average | 75°F (24°C) |
Geography
| Elevation | 551 ft (168 m) |
| Area | 1.3 sq mi (3.3 km²) |
| Population Density | 1,350/sq mi |
| Coordinates | 39.2862°N, 86.7725°W |
| Timezone | America/Indiana/Indianapolis |
| County | Owen County County |
| Nearest Airport | Terre Haute Regional (HUF) 31 miles away |
Precipitation & Snow
Air Quality
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 35.1 / 100 |
| Social Vulnerability | 47.1 / 100 |
| Community Resilience | 43.4 / 100 |
Hazard Breakdown
| Tornado | Relatively Low |
| Hurricane | Very Low |
| Earthquake | Relatively Low |
| Wildfire | Very Low |
| Flood | Relatively Low |
| Hail | Relatively Low |
| Strong Wind | Relatively Moderate |
| Heat Wave | Relatively Low |
| Winter Weather | Relatively Low |
| Lightning | Very Low |
| Ice Storm | Relatively Low |
| Drought | Relatively Low |
| Cold Wave | Relatively Low |
| Landslide | Relatively Moderate |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 29°F (-2°C) | 3.5 in | Coldest |
| February | 32°F (0°C) | 2.6 in | Driest |
| March | 42°F (5°C) | 3.7 in | |
| April | 53°F (11°C) | 5.3 in | |
| May | 63°F (17°C) | 5.2 in | |
| June | 71°F (22°C) | 5.8 in | Wettest |
| July | 75°F (24°C) | 4.9 in | Warmest |
| August | 73°F (23°C) | 3.6 in | |
| September | 66°F (19°C) | 3.8 in | |
| October | 55°F (13°C) | 3.9 in | |
| November | 43°F (6°C) | 4.0 in | |
| December | 33°F (1°C) | 3.5 in |
Spencer has a seasonal temperature swing of 46°F / from 29°F in January to 75°F in July. Total annual precipitation is 49.7 inches, with June being the wettest month (5.8") and February the driest (2.6").