Home Value
$626,100
122% higher than US avg
Bachelor's+
43.2%
28% higher than US avg
Obesity Rate
25.8%
20% lower than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
14.3%
15% higher than US avg
How Spencerville Compares to the U.S. Average (100% = U.S. avg)
People
Population1,433
Median Age42.4 yrs
Density919/mi²
Male / Female47% / 53%
Largest GroupWhite 62%
Economy
Median IncomeN/A
Per Capita$44,950
Unemployment0.0%
Poverty14.3%
County GDP$37,130M
Commute32 min
Housing
Home Value$626,100
RentN/A
OwnershipN/A
Zillow$757,862
Health
Obesity25.8%
UninsuredN/A
Depression18.0%
Heart Disease4.5%
Climate
Avg Temp57°F
AQI41 (Good)
Rain47.5 in/yr
Elevation547 ft
Education
A
Bachelor's+43.2%
High School+94.4%
School Score5.85
Community
2024 VoteR 27% / D 69%
Commute32 min
Libraries7
Is Spencerville a Good Place to Live?
Based on current data, Spencerville receives an overall livability score of 4.5 out of 5.0, earning a grade of A+. Key strengths include low unemployment, a highly educated population, high health insurance coverage. Areas to be aware of include high housing costs. Spencerville stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The job market is very strong with unemployment at just 0.0%. 14.3% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 32 minutes.
Cost of Living & Housing
The median home value in Spencerville is $626,100, making it a premium housing market at 122% above the U.S. median of $281,900.
Education
Educational attainment is solid, with 43.2% holding a bachelor's degree or higher, near the national average. 94.4% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Spencerville enjoys a moderate climate with an average annual temperature of 57°F. Winters average 34°F in January while summers reach 79°F in July. Annual precipitation totals 47.5 inches. Air quality is rated Good with a median AQI of 41.
Spencerville has a population of 1,433 with a density of 919 people per square mile. The median age is 42.4 years, 9% older than the national median of 38.9. The city is predominantly White (62.2%), with 2.9% Hispanic, 8.1% Black.
Population
42.4yrs
Median Age
9% above US avg
Race & Ethnicity
Spencerville vs U.S. Average
Language Spoken at Home
| English Only | 58.9% |
| 25% below US avg |
| Spanish | 41.1% |
| 207% above US avg |
Social Characteristics
Spencerville vs U.S. Average
The median household income in Spencerville is N/A. The unemployment rate is 0.0% (below the 3.6% US average). 14.3% of residents live below the poverty line. Workers commute an average of 32 minutes.
Income: Spencerville vs U.S.
Income
| |
| Per Capita Income | $44,950 |
| Avg Weekly Wage | $1,672 |
| IRS Avg AGI | $131,728 |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 14.3% |
| 15% above US avg |
| Establishments (County) | 11,342 |
| County GDP | $37,130M |
Business (County)
| Restaurants | 703 |
| Healthcare | 1,202 |
| Retail | 822 |
| Manufacturing | 168 |
Tax & Cost of Living
| Property Tax (IRS) | $8,202 |
| 134% above US avg |
| Effective Tax Rate | 1.31% |
Commute & Transportation
| Commute Time | 31.7 min |
| Work from Home | 34.8% |
The median home value in Spencerville is $626,100, 122% above the national average. Zillow estimates the typical home value at $757,862.
Home Values
| Census Median | $626,100 |
| 122% above US avg |
| Zillow ZHVI | $757,862 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $1,312 |
| 1 Bedroom | $1,400 |
| 2 Bedrooms | $1,648 |
| 3 Bedrooms | $2,123 |
| 4 Bedrooms | $2,442 |
Ownership & Property
Property Tax
| Avg Tax (IRS) | $8,202 |
| 134% above US avg |
| Effective Rate | 1.31% |
In Spencerville, 25.8% of adults are obese (below the 32.1% national rate). 18.0% report depression. 18.4% are physically inactive.
Health Metrics: Spencerville vs U.S. Average (%)
Chronic Conditions
| Obesity | 25.8% |
| 20% below US avg |
| Diabetes | 9.1% |
| Heart Disease | 4.5% |
| High Blood Pressure | 28.8% |
| Asthma | 9.3% |
| COPD | 4.0% |
| Stroke | 2.5% |
Behaviors & Mental Health
| |
| Binge Drinking | 14.8% |
| Physical Inactivity | 18.4% |
| Depression | 18.0% |
| Mental Distress | 13.3% |
| Physical Distress | 10.0% |
Healthcare Access
| Insurance Rate | 94.5% |
| |
| Checkup Rate | 74.8% |
| Premature Death | 4,573/100K |
Food & Exercise
| Food Environment | 9.2/10 |
| Exercise Access | 98.1% |
| Healthcare Facilities | 1,202 |
Crime Rates: Spencerville vs U.S. Average (per 100,000)
Traffic Safety
| Fatal Crashes (County/yr) | 29 |
Safety Score
Spencerville has an average annual temperature of 57°F (14°C). Winters average 34°F in January while summers reach 79°F in July. Annual precipitation is 47.5 inches. Air quality is rated Good with a median AQI of 41.
Temperature
34°F Jan (1°C)
79°F Jul (26°C)
| Annual Average | 57.1°F |
| 6% above US avg |
| January Average | 34°F (1°C) |
| July Average | 79°F (26°C) |
Precipitation & Snow
| Annual Rainfall | 47.5 inches |
| 25% above US avg |
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Geography
| Elevation | 547 ft (167 m) |
| Area | 1.6 sq mi (4.0 km²) |
| Population Density | 919/sq mi |
| Coordinates | 39.1200°N, 76.9835°W |
| County FIPS | 24027 |