Median Income
$57,917
23% lower than US avg
Home Value
$137,500
51% lower than US avg
Bachelor's+
17.2%
49% lower than US avg
Median Rent
$425
63% lower than US avg
Obesity Rate
35.5%
11% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Spencer Compares to the U.S. Average (100% = U.S. avg)
People
Population126
Median Age42.5 yrs
Density467/mi²
Male / Female53% / 47%
Largest GroupWhite 94%
Veterans9.9%
Economy
A
Median Income$57,917
Per Capita$32,262
Unemployment0.0%
Poverty0.0%
County GDP$217M
Commute26 min
Housing
A+
Home Value$137,500
Rent$425
Ownership78.0%
Zillow$266,643
Housing Units66
Rent Burden29.0%
Health
Obesity35.5%
Uninsured15.1%
Smoking14.4%
Depression21.6%
Heart Disease5.1%
Climate
Avg Temp45°F (7°C)
Rain25.3 in/yr
Elevation1,381 ft (421 m)
Education
C
Bachelor's+17.2%
High School+93.1%
Graduate+1.3%
School Score5.92
Community
2024 VoteR 79% / D 20%
Commute26 min
Broadband84.7%
EV Stations4
Is Spencer a Good Place to Live?
Based on current data, Spencer receives an overall livability score of 3.9 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, a low poverty rate. Areas to be aware of include a high uninsured rate, below-average incomes. Spencer offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Spencer is $57,917, 23% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 26 minutes.
Cost of Living & Housing
The median home value in Spencer is $137,500, 51% below the national median / offering relatively affordable homeownership. Renters pay a median of $425 per month, below the national average / a plus for affordability. At just 2.4x median income, home prices are very affordable relative to local earnings.
Education
17.2% of residents hold a bachelor's degree, below the national average of 33.7%. 93.1% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Spencer has a cool climate with an average annual temperature of 45°F. Winters average 16°F in January while summers reach 72°F in July. Annual precipitation totals 25.3 inches, including 36.3 inches of snow.
Spencer has a population of 126 with a density of 467 people per square mile, spread across 0.3 square miles. The median age is 42.5 years, 9% older than the national median of 38.9. The gender split is 46.8% female and 53.2% male. The city is predominantly White (94.4%), with 1.6% Hispanic. English is the primary language spoken at home by 95.6% of residents. 9.9% of the population are veterans, above the national rate of 6.0%. 23.0% of residents have a disability (above the 13.0% national average). 84.9% have health insurance coverage.
Population
126
Total Population
2023 Census
42.5yrs
Median Age
9% above US avg
Language Spoken at Home
English Only
95.6%
22% above US avg
Spanish
3.8%
72% below US avg
The median household income in Spencer is $57,917, which is 23% below the national average of $75,149. Per capita income is $32,262 (below the $39,052 national figure). The average weekly wage is $998, 30% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 106 business establishments, including 4 restaurants. The cost of living index is 88.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 26 minutes. 6.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $57,917 |
| 23% below US avg |
| Per Capita Income | $32,262 |
| Avg Weekly Wage | $998 |
| IRS Avg AGI | $76,948 |
| Gini Index | 0.350 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 106 |
| County GDP | $217M |
Business (County)
| Restaurants | 4 |
| Healthcare | 4 |
| Retail | 10 |
| Manufacturing | 3 |
Tax & Cost of Living
| Property Tax (IRS) | $3,700 |
| 6% above US avg |
| Cost of Living | 88.60 (100=avg) |
| Effective Tax Rate | 2.69% |
Commute & Transportation
| Commute Time | 25.5 min |
| Drive Alone | 68.0% |
| Public Transit | 0.0% |
| Work from Home | 6.0% |
The median home value in Spencer is $137,500, 51% below the national median of $281,900. Zillow estimates the typical home value at $266,643, higher than the Census estimate. Monthly rent averages $425 (63% below the national average of $1,163). Fair market rent ranges from $784 for a one-bedroom to $990 for a two-bedroom apartment. 78.0% of housing units are owner-occupied (above the 65.4% national rate). There are 66 total housing units in the city. The median year a home was built is 1953. The average annual property tax is $3,700. 29.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $137,500 |
| 51% below US avg |
| Zillow ZHVI | $266,643 |
Rental Costs
| Census Median Rent | $425 |
| 63% below US avg |
| Rent Burden | 29.0% |
HUD Fair Market Rent
| Studio | $691 |
| 1 Bedroom | $784 |
| 2 Bedrooms | $990 |
| 3 Bedrooms | $1,295 |
| 4 Bedrooms | $1,540 |
Ownership & Property
| Homeownership | 78.0% |
| Owner-Occupied | 78.0% |
| Renter-Occupied | 22.0% |
| Housing Units | 66 |
| Median Year Built | 1953 |
Property Tax
| Avg Tax (IRS) | $3,700 |
| 6% above US avg |
| Effective Rate | 2.69% |
In Spencer, 35.5% of adults are obese, above the national rate of 32.1%. 8.6% have diabetes (below the 10.5% national rate). Heart disease affects 5.1% of residents. 27.4% have high blood pressure. 14.4% are current smokers. 22.2% report binge drinking. 21.0% are physically inactive, below the national average. 21.6% report depression. 15.6% experience frequent mental distress. 15.1% of residents lack health insurance (above the 8.6% national rate). 29.0% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Spencer vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.5% |
| 11% above US avg |
| Diabetes | 8.6% |
| Heart Disease | 5.1% |
| High Blood Pressure | 27.4% |
| Asthma | 9.7% |
| COPD | 5.3% |
| Cancer | 7.7% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.4% |
| 3% above US avg |
| Binge Drinking | 22.2% |
| Physical Inactivity | 21.0% |
| Depression | 21.6% |
| Mental Distress | 15.6% |
| Physical Distress | 11.0% |
| Short Sleep | 29.6% |
Healthcare Access
| Insurance Rate | 84.9% |
| Uninsured | 15.1% |
| 76% above US avg |
| Checkup Rate | 72.9% |
| Dental Visits | 70.7% |
| Premature Death | 4,906/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 29.0% |
| Healthcare Facilities | 4 |
Spencer has a cool climate with an average annual temperature of 45°F (7°C). Winters average 16°F in January while summers reach 72°F in July. Annual precipitation totals 25.3 inches (drier than the 38-inch national average). The area receives 36.3 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 1,381 feet.
Temperature
16°F Jan (-9°C)
72°F Jul (22°C)
| Annual Average | 45.0°F |
| 17% below US avg |
| January Average | 16°F (-9°C) |
| July Average | 72°F (22°C) |
Geography
| Elevation | 1,381 ft (421 m) |
| Area | 0.3 sq mi (0.7 km²) |
| Population Density | 467/sq mi |
| Coordinates | 43.7275°N, 97.5911°W |
| Timezone | America/Chicago |
| County | Hanson County County |
| Nearest Airport | Mitchell Municipal (MHE)
23 miles away |
Precipitation & Snow
Annual Rainfall
25.3"
33% below US avg
Wettest Month (Jun)
3.97"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 14.8 / 100 |
| Social Vulnerability | 87.7 / 100 |
| Community Resilience | 89.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
10 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.7. Most recent: M2.5 on Apr 27, 2025.
| Jun 4, 2021 |
10 km NE of Anoka, Nebraska |
M3.7 |
122 km |
| Oct 25, 1990 |
8 km N of Plankinton, South Dakota |
M3.6 |
71 km |
| Feb 6, 1996 |
1 km N of Wausa, Nebraska |
M3.6 |
135 km |
| Jun 4, 2021 |
9 km ENE of Anoka, Nebraska |
M3.1 |
123 km |
| Jul 26, 2002 |
0 km WSW of Huron, South Dakota |
M3.1 |
87 km |
| Jan 4, 2021 |
5 km N of Tyndall, South Dakota |
M3.1 |
79 km |
| Feb 7, 2014 |
11 km NE of Bijou Hills, South Dakota |
M3.0 |
120 km |
| Apr 27, 2025 |
9 km NE of Burke, South Dakota |
M2.5 |
142 km |
| Jan 16, 2022 |
9 km NE of Plankinton, South Dakota |
M2.5 |
65 km |
| Mar 6, 2024 |
6 km SSE of Santee, Nebraska |
M2.5 |
106 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
577 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 10 fatalities, 253 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 18, 2014 |
EF4 |
74 km |
0 |
| Jun 24, 2003 |
EF4 |
63 km |
0 |
| May 30, 1998 |
EF4 |
8 km |
6 |
| Jun 7, 1993 |
EF4 |
54 km |
0 |
| Jun 7, 1993 |
EF4 |
30 km |
0 |
| Jun 7, 1965 |
EF4 |
69 km |
1 |
| May 5, 2007 |
EF3 |
67 km |
0 |
| Jun 24, 2003 |
EF3 |
67 km |
0 |
| Jun 24, 2003 |
EF3 |
80 km |
0 |
| Jun 7, 1993 |
EF3 |
58 km |
0 |
| Jun 7, 1993 |
EF3 |
53 km |
0 |
| Jun 7, 1993 |
EF3 |
26 km |
0 |
| May 7, 1993 |
EF3 |
27 km |
0 |
| Jun 16, 1992 |
EF3 |
77 km |
0 |
| Jun 16, 1992 |
EF3 |
40 km |
0 |
| Aug 3, 1981 |
EF3 |
61 km |
0 |
| Jun 15, 1970 |
EF3 |
70 km |
0 |
| Jun 20, 1968 |
EF3 |
32 km |
0 |
| Jun 26, 1965 |
EF3 |
86 km |
0 |
| Jun 21, 1965 |
EF3 |
88 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: SDLDR-HFR-FY23-RX-BROKEN ARROW UNITS B-C-D-E-G-H-I (1,185 ac, 2023).
| Year |
Name |
Acres |
Distance |
| 2023 |
SDLDR-HFR-FY23-RX-BROKEN ARROW UNITS B-C-D-E-G-H-I |
1,185 |
94 km |
| 2009 |
TAHOHPI WUI RX |
1,166 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
16°F (-9°C) |
0.5 in |
Coldest, Driest |
| February |
20°F (-7°C) |
0.7 in |
|
| March |
32°F (0°C) |
1.1 in |
|
| April |
45°F (7°C) |
2.9 in |
|
| May |
57°F (14°C) |
3.6 in |
|
| June |
67°F (20°C) |
4.0 in |
Wettest |
| July |
72°F (22°C) |
3.1 in |
Warmest |
| August |
70°F (21°C) |
3.0 in |
|
| September |
62°F (17°C) |
2.8 in |
|
| October |
47°F (9°C) |
2.0 in |
|
| November |
32°F (0°C) |
0.9 in |
|
| December |
20°F (-7°C) |
0.6 in |
|
Spencer has a seasonal temperature swing of 57°F / from 16°F in January to 72°F in July. Total annual precipitation is 25.3 inches, with June being the wettest month (4.0") and January the driest (0.5").
Average costs for common services in Spencer. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$222 ($133-$354) |
| Specialist Visit |
$310 ($177-$487) |
| Urgent Care Visit |
$177 ($89-$310) |
| Emergency Room Visit |
$1,949 ($709-$4,430) |
| Dental Cleaning |
$115 ($66-$177) |
| Dental Filling |
$222 ($133-$354) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22-$66) |
| Oil Change (Synthetic) |
$66 ($44-$106) |
| Brake Pad Replacement |
$266 ($133-$443) |
| Tire Rotation |
$35 ($18-$66) |
| New Tires (Set of 4) |
$532 ($354-$886) |
| Battery Replacement |
$177 ($89-$310) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$89 ($53-$133) |
| Electrician (Per Hour) |
$80 ($44-$124) |
| HVAC Repair |
$354 ($133-$709) |
| HVAC System Install |
$6,202 ($3,544-$10,632) |
| Roof Repair |
$886 ($354-$1,772) |
| Roof Replacement |
$7,974 ($4,873-$13,290) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,329 ($443-$3,101) |
| Divorce (Contested) |
$13,290 ($4,430-$26,580) |
| DUI Defense |
$4,430 ($1,772-$8,860) |
| Bankruptcy (Chapter 7) |
$1,329 ($709-$2,658) |
| Will Preparation |
$443 ($177-$886) |
| Trust Preparation |
$2,215 ($886-$4,430) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13-$40) |
| Women's Haircut |
$49 ($27-$89) |
| Hair Coloring (Full) |
$133 ($66-$222) |
| Manicure |
$22 ($13-$40) |
| Pedicure |
$35 ($22-$58) |
| Massage (1 Hour) |
$71 ($44-$115) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.63 ($2.66-$4.87) |
| Dozen Eggs (per dozen) |
$3.10 ($2.22-$4.43) |
| Loaf of Bread |
$3.37 ($2.22-$4.87) |
| Chicken Breast (per lb) |
$3.99 ($2.66-$5.76) |
| Ground Beef (per lb) |
$4.87 ($3.54-$6.65) |
| Rice (per lb) |
$0.89 ($0.53-$1.59) |
View all 20 services
Utilities
| Electricity (Monthly) |
$124 ($71-$222) |
| Natural Gas (Monthly) |
$62 ($27-$133) |
| Water/Sewer (Monthly) |
$62 ($35-$106) |
| Internet (Monthly) |
$62 ($35-$89) |
| Cell Phone Plan (Monthly) |
$58 ($27-$89) |
| Cable TV (Monthly) |
$75 ($44-$133) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$177 ($66-$443) |
| Car Insurance (Annual) |
$1,772 ($1,063-$3,101) |
| Bus Pass (Monthly) |
$62 ($27-$115) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.09-$22) |
| Car Registration (Annual) |
$89 ($27-$222) |
| Driver's License Renewal |
$27 ($13-$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,063 ($532-$2,215) |
| Daycare (Toddler, Monthly) |
$886 ($443-$1,772) |
| After-School Care (Monthly) |
$354 ($177-$620) |
| Tutoring (Per Hour) |
$44 ($22-$89) |
| SAT/ACT Prep Course |
$886 ($354-$2,215) |
| Private School (K-12, Annual) |
$11,075 ($4,430-$26,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($27-$89) |
| Dog Vaccination (Annual) |
$89 ($44-$177) |
| Dog Grooming |
$53 ($27-$89) |
| Pet Boarding (Per Night) |
$35 ($18-$66) |
| Dog Spay/Neuter |
$266 ($133-$443) |
| Cat Spay/Neuter |
$177 ($89-$354) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $520 |
| Toddler | $520 |
| Preschool | $494 |
| Family Childcare (monthly) |
| Infant | $433 |
| Toddler | $433 |
| Preschool | $433 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Spencer
What is the population of Spencer?
Spencer has a population of 126 residents and is located in South Dakota. The population density is 467 people per square mile, spread across 0.3 square miles. The median age of residents is 42.5 years, which is older than the national median of 38.9 years. The population is 46.8% female and 53.2% male.
Is Spencer expensive to live in?
Spencer is more affordable than the national average, with a cost of living index of 88.6 / below the baseline of 100. The median household income is $57,917, 23% below the national average of $75,149. The median home value is $137,500 (51% below the U.S. median). Renters pay a median of $425 per month, below the national average of $1,163. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Spencer?
Spencer has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 16°F in January, while summers reach an average of 72°F in July. Annual rainfall totals 25.3 inches, with 36.3 inches of snow.
How is the job market in Spencer?
The job market in Spencer is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $998. There are 106 business establishments in the area, including 4 restaurants and food service locations. The average commute time is 26 minutes, and 6.0% of workers work from home.
How much does housing cost in Spencer?
The median home value in Spencer is $137,500. Zillow estimates the typical home value at $266,643. For renters, the median monthly rent is $425. Fair market rent is $784 for a 1-bedroom and $990 for a 2-bedroom apartment. The homeownership rate is 78.0%. The average annual property tax is $3,700.
How are the schools in Spencer?
Schools in Spencer score 5.9 out of 10 on standardized testing, near the national average. 17.2% of adults in Spencer hold a bachelor's degree or higher, below the national average of 33.7%. 93.1% have completed high school. 1.3% hold a graduate or professional degree.
How healthy is Spencer?
The obesity rate in Spencer is 35.5% (above the national rate of 32.1%). 14.4% of adults are smokers. 21.0% are physically inactive. 21.6% of residents report depression. 15.1% lack health insurance (above the national rate). 29.0% of residents have access to exercise opportunities.
What is transportation like in Spencer?
The average commute in Spencer is 26 minutes. 68% of workers drive alone to work, and 6.0% work from home.
What are the demographics of Spencer?
The racial and ethnic makeup of Spencer is 94.4% White, 1.6% Hispanic or Latino. 95.6% of residents speak only English at home, while 3.8% speak Spanish. 9.9% of the population are military veterans. 23.0% of residents have a disability. 84.9% have health insurance coverage.