Median Income
$49,938
34% lower than US avg
Home Value
$141,700
50% lower than US avg
Violent Crime
136/100K
64% lower than US avg
Bachelor's+
12.2%
64% lower than US avg
Median Rent
$848
27% lower than US avg
Obesity Rate
38.4%
20% higher than US avg
Unemployment
5.2%
44% higher than US avg
Poverty Rate
16.7%
35% higher than US avg
How Spencerville Compares to the U.S. Average (100% = U.S. avg)
People
Population2,120
Median Age35.3 yrs
Density2,186/mi²
Male / Female53% / 47%
Largest GroupWhite 95%
Veterans7.9%
Economy
B
Median Income$49,938
Per Capita$22,064
Unemployment5.2%
Poverty16.7%
County GDP$3,733M
Commute22 min
Housing
A+
Home Value$141,700
Rent$848
Ownership63.8%
Zillow$192,522
Housing Units951
Rent Burden30.8%
Crime
F
Violent136/100K
Property1,541/100K
Murder0.0/100K
Assault136/100K
Burglary227/100K
Health
Obesity38.4%
Uninsured8.0%
Smoking17.6%
Depression30.0%
Heart Disease6.0%
Climate
Avg Temp51°F (11°C)
AQI43 (Good)
Rain41.2 in/yr
Sunny Days275/yr
Elevation830 ft (253 m)
Education
D
Bachelor's+12.2%
High School+83.1%
Graduate+4.0%
School Score6.65
Community
2024 VoteR 82% / D 17%
Commute22 min
Broadband81.4%
EV Stations3
Libraries7
Is Spencerville a Good Place to Live?
Based on current data, Spencerville receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include above-average unemployment, an elevated poverty rate, below-average incomes. Spencerville has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Spencerville is $49,938, 34% below the national average of $75,149. The unemployment rate of 5.2% is somewhat elevated compared to the national rate of 3.6%. The poverty rate of 16.7% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Spencerville is $141,700, 50% below the national median / offering relatively affordable homeownership. Renters pay a median of $848 per month, below the national average / a plus for affordability. At just 2.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Spencerville is a very safe community with a violent crime rate of 136 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,541 per 100,000, 21% below the national average.
Education
12.2% of residents hold a bachelor's degree, below the national average of 33.7%. 83.1% have completed high school. Local schools score 6.6/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Spencerville experiences four distinct seasons with an average temperature of 51°F. Winters average 26°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 41.2 inches, including 18.5 inches of snow. Air quality is rated Good with a median AQI of 43.
Spencerville has a population of 2,120 with a density of 2,186 people per square mile, spread across 1.0 square miles. The median age is 35.3 years, 9% younger than the national median of 38.9. The gender split is 46.7% female and 53.3% male. The city is predominantly White (95.1%), with 1.7% Black. English is the primary language spoken at home by 98.6% of residents. 7.9% of the population are veterans, above the national rate of 6.0%. 24.1% of residents have a disability (above the 13.0% national average). 96.6% have health insurance coverage.
Population
35.3yrs
Median Age
9% below US avg
Race & Ethnicity
Spencerville vs U.S. Average
Language Spoken at Home
English Only
98.6%
26% above US avg
Spanish
1.4%
90% below US avg
Social Characteristics
Spencerville vs U.S. Average
The median household income in Spencerville is $49,938, which is 34% below the national average of $75,149. Per capita income is $22,064 (below the $39,052 national figure). The average weekly wage is $1,094, 24% lower than the U.S. average. The unemployment rate is 5.2% (above the 3.6% US average). 16.7% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 1,119 business establishments, including 93 restaurants. The cost of living index is 92.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 2.1% of workers work from home (below the 15.2% national rate).
Income: Spencerville vs U.S.
Income
| Median HH Income | $49,938 |
| 34% below US avg |
| Per Capita Income | $22,064 |
| Avg Weekly Wage | $1,094 |
| IRS Avg AGI | $72,853 |
| Gini Index | 0.390 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.2% |
| 44% above US avg |
| Poverty Rate | 16.7% |
| 35% above US avg |
| Establishments (County) | 1,119 |
| County GDP | $3,733M |
Business (County)
| Restaurants | 93 |
| Healthcare | 106 |
| Retail | 150 |
| Manufacturing | 90 |
Tax & Cost of Living
| Property Tax (IRS) | $6,054 |
| 73% above US avg |
| Cost of Living | 92.80 (100=avg) |
| Effective Tax Rate | 4.27% |
Commute & Transportation
| Commute Time | 22.4 min |
| Drive Alone | 85.8% |
| Public Transit | 2.4% |
| Work from Home | 2.1% |
The median home value in Spencerville is $141,700, 50% below the national median of $281,900. Zillow estimates the typical home value at $192,522, higher than the Census estimate. Homes sell for 90.3% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $848 (27% below the national average of $1,163). Fair market rent ranges from $873 for a one-bedroom to $1,092 for a two-bedroom apartment. 63.8% of housing units are owner-occupied. There are 951 total housing units in the city. The median year a home was built is 1962. The average annual property tax is $6,054 (higher than the $3,500 national average). 30.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $141,700 |
| 50% below US avg |
| Zillow ZHVI | $192,522 |
| Median List Price | $199,900 |
Real Estate Market (Redfin)
| Median List Price | $199,900 |
| $/Sq Ft | $79 |
| Homes Sold | 6 |
| Sale-to-List Ratio | 90.3% |
| Price Drops | 20.0% |
| Inventory | 5 |
Rental Costs
| Census Median Rent | $848 |
| 27% below US avg |
| Rent Burden | 30.8% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $873 |
| 2 Bedrooms | $1,092 |
| 3 Bedrooms | $1,388 |
| 4 Bedrooms | $1,550 |
Ownership & Property
| Homeownership | 63.8% |
| Owner-Occupied | 63.8% |
| Renter-Occupied | 36.2% |
| Housing Units | 951 |
| Median Year Built | 1962 |
Property Tax
| Avg Tax (IRS) | $6,054 |
| 73% above US avg |
| Effective Rate | 4.27% |
In Spencerville, 38.4% of adults are obese, above the national rate of 32.1%. 11.0% have diabetes. Heart disease affects 6.0% of residents. 32.3% have high blood pressure. 17.6% are current smokers (above the 14.0% national rate). 18.9% report binge drinking. 26.8% are physically inactive. 30.0% report depression (above the 20.0% national average). 20.1% experience frequent mental distress. 8.0% of residents lack health insurance. The primary care physician ratio is 1:2,884. The dentist ratio is 1:3,063. 77.3% of residents have access to exercise opportunities. The food environment index is 8.7 out of 10.
Health Metrics: Spencerville vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.4% |
| 20% above US avg |
| Diabetes | 11.0% |
| Heart Disease | 6.0% |
| High Blood Pressure | 32.3% |
| Asthma | 11.4% |
| COPD | 7.7% |
| Cancer | 7.6% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 17.6% |
| 26% above US avg |
| Binge Drinking | 18.9% |
| Physical Inactivity | 26.8% |
| Depression | 30.0% |
| Mental Distress | 20.1% |
| Physical Distress | 13.6% |
| Short Sleep | 38.6% |
Healthcare Access
| Insurance Rate | 96.6% |
| Uninsured | 8.0% |
| 7% below US avg |
| Primary Care | 1:2,884 |
| Dentists | 1:3,063 |
| Mental Health | 1:1,439 |
| Checkup Rate | 78.7% |
| Dental Visits | 60.4% |
| Premature Death | 7,619/100K |
Food & Exercise
| Food Environment | 8.7/10 |
| Exercise Access | 77.3% |
| Healthcare Facilities | 106 |
Spencerville has a violent crime rate of 136 per 100,000 residents, 64% below the national average of 380. This breaks down to aggravated assault at 135.9 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,541 per 100,000, 21% below the U.S. average. This includes larceny/theft at 1,314, burglary at 227, vehicle theft at 0 per 100,000 residents. The county recorded 6 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Spencerville receives a safety grade of F.
Crime Rates: Spencerville vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 135.9/100K |
| 64% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 135.9/100K |
Property Crime
| Total Property | 1,540.6/100K |
| 21% below US avg |
| Burglary | 226.6/100K |
| Theft | 1,314.0/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 1 |
| Avg Accident Severity | 2.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Spencerville experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 26°F in January while summers reach 73°F in July. The area gets 275 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 41.2 inches. The area receives 18.5 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 830 feet.
Temperature
26°F Jan (-3°C)
73°F Jul (23°C)
| Annual Average | 51.0°F |
| 6% below US avg |
| January Average | 26°F (-3°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 830 ft (253 m) |
| Area | 1.0 sq mi (2.5 km²) |
| Population Density | 2,186/sq mi |
| Coordinates | 40.7080°N, 84.3532°W |
| Timezone | America/New_York |
| County | Auglaize County County |
| Nearest Airport | Fort Wayne International (FWA)
48 miles away |
Precipitation & Snow
Annual Rainfall
41.2"
8% above US avg
Wettest Month (May)
3.70"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 41.8 / 100 |
| Social Vulnerability | 25.1 / 100 |
| Community Resilience | 95.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| 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: M3.0. Most recent: M2.5 on Mar 18, 2024.
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
136 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
50 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
35 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
23 km |
| May 14, 2010 |
1 km ENE of Gibsonburg, Ohio |
M2.7 |
116 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
44 km |
| May 20, 2023 |
3 km SSE of Walbridge, Ohio |
M2.6 |
119 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
25 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
74 km |
| Mar 18, 2024 |
4 km WSW of Millbury, Ohio |
M2.5 |
119 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
457 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 59 fatalities, 1,324 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 27, 2019 |
EF4 |
99 km |
0 |
| Nov 10, 2002 |
EF4 |
36 km |
4 |
| Feb 18, 1992 |
EF4 |
18 km |
0 |
| Apr 11, 1965 |
EF4 |
40 km |
3 |
| Apr 11, 1965 |
EF4 |
88 km |
4 |
| Apr 11, 1965 |
EF4 |
17 km |
13 |
| Jun 8, 1953 |
EF4 |
69 km |
17 |
| Mar 14, 2024 |
EF3 |
26 km |
3 |
| Mar 14, 2024 |
EF3 |
88 km |
1 |
| May 27, 2019 |
EF3 |
89 km |
0 |
| May 27, 2019 |
EF3 |
33 km |
1 |
| May 27, 2019 |
EF3 |
82 km |
0 |
| Aug 24, 2016 |
EF3 |
68 km |
0 |
| Nov 10, 2002 |
EF3 |
79 km |
0 |
| Nov 10, 2002 |
EF3 |
48 km |
0 |
| Oct 24, 2001 |
EF3 |
16 km |
0 |
| Mar 10, 1986 |
EF3 |
92 km |
0 |
| May 2, 1983 |
EF3 |
82 km |
1 |
| Apr 3, 1974 |
EF3 |
39 km |
0 |
| May 10, 1973 |
EF3 |
69 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-3°C) |
1.9 in |
Coldest |
| February |
27°F (-3°C) |
1.9 in |
Driest |
| March |
38°F (3°C) |
3.0 in |
|
| April |
49°F (9°C) |
3.4 in |
|
| May |
60°F (16°C) |
3.7 in |
Wettest |
| June |
70°F (21°C) |
3.7 in |
|
| July |
73°F (23°C) |
3.6 in |
Warmest |
| August |
71°F (22°C) |
3.2 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.3 in |
|
| November |
41°F (5°C) |
2.9 in |
|
| December |
30°F (-1°C) |
2.7 in |
|
Spencerville has a seasonal temperature swing of 47°F / from 26°F in January to 73°F in July. Total annual precipitation is 35.1 inches, with May being the wettest month (3.7") and February the driest (1.9").
Average costs for common services in Spencerville. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$232 ($139–$371) |
| Specialist Visit |
$325 ($186–$510) |
| Urgent Care Visit |
$186 ($93–$325) |
| Emergency Room Visit |
$2,042 ($742–$4,640) |
| Dental Cleaning |
$121 ($70–$186) |
| Dental Filling |
$232 ($139–$371) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($46–$111) |
| Brake Pad Replacement |
$278 ($139–$464) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$557 ($371–$928) |
| Battery Replacement |
$186 ($93–$325) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$139) |
| Electrician (Per Hour) |
$84 ($46–$130) |
| HVAC Repair |
$371 ($139–$742) |
| HVAC System Install |
$6,496 ($3,712–$11,136) |
| Roof Repair |
$928 ($371–$1,856) |
| Roof Replacement |
$8,352 ($5,104–$13,920) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,392 ($464–$3,248) |
| Divorce (Contested) |
$13,920 ($4,640–$27,840) |
| DUI Defense |
$4,640 ($1,856–$9,280) |
| Bankruptcy (Chapter 7) |
$1,392 ($742–$2,784) |
| Will Preparation |
$464 ($186–$928) |
| Trust Preparation |
$2,320 ($928–$4,640) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$139 ($70–$232) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.80 ($2.78–$5.10) |
| Dozen Eggs (per dozen) |
$3.25 ($2.32–$4.64) |
| Loaf of Bread |
$3.53 ($2.32–$5.10) |
| Chicken Breast (per lb) |
$4.18 ($2.78–$6.03) |
| Ground Beef (per lb) |
$5.10 ($3.71–$6.96) |
| Rice (per lb) |
$0.93 ($0.56–$1.67) |
View all 20 services
Utilities
| Electricity (Monthly) |
$130 ($74–$232) |
| Natural Gas (Monthly) |
$65 ($28–$139) |
| Water/Sewer (Monthly) |
$65 ($37–$111) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$60 ($28–$93) |
| Cable TV (Monthly) |
$79 ($46–$139) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$186 ($70–$464) |
| Car Insurance (Annual) |
$1,856 ($1,114–$3,248) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.42–$23) |
| Car Registration (Annual) |
$93 ($28–$232) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,114 ($557–$2,320) |
| Daycare (Toddler, Monthly) |
$928 ($464–$1,856) |
| After-School Care (Monthly) |
$371 ($186–$650) |
| Tutoring (Per Hour) |
$46 ($23–$93) |
| SAT/ACT Prep Course |
$928 ($371–$2,320) |
| Private School (K-12, Annual) |
$11,600 ($4,640–$27,840) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($46–$186) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$278 ($139–$464) |
| Cat Spay/Neuter |
$186 ($93–$371) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $961 |
| Toddler | $866 |
| Preschool | $758 |
| Family Childcare (monthly) |
| Infant | $736 |
| Toddler | $714 |
| Preschool | $671 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Spencerville
What is the population of Spencerville?
Spencerville has a population of 2,120 residents and is located in Ohio. The population density is 2,186 people per square mile, spread across 1.0 square miles. The median age of residents is 35.3 years, which is younger than the national median of 38.9 years. The population is 46.7% female and 53.3% male.
Is Spencerville expensive to live in?
Spencerville is more affordable than the national average, with a cost of living index of 92.8 / below the baseline of 100. The median household income is $49,938, 34% below the national average of $75,149. The median home value is $141,700 (50% below the U.S. median). Renters pay a median of $848 per month, below the national average of $1,163. The home price-to-income ratio is 2.8x, indicating housing is reasonably affordable relative to local income levels.
Is Spencerville safe?
Spencerville is considered a very safe city with a violent crime rate of 136 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,541 per 100,000 (below the national average). Overall, Spencerville receives a safety grade of F based on combined crime data.
What is the weather like in Spencerville?
Spencerville has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 41.2 inches, with 18.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Spencerville?
The unemployment rate in Spencerville is 5.2%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,094. There are 1,119 business establishments in the area, including 93 restaurants and food service locations. The average commute time is 22 minutes, and 2.1% of workers work from home.
How much does housing cost in Spencerville?
The median home value in Spencerville is $141,700. Zillow estimates the typical home value at $192,522. For renters, the median monthly rent is $848. Fair market rent is $873 for a 1-bedroom and $1,092 for a 2-bedroom apartment. The homeownership rate is 63.8%. The average annual property tax is $6,054.
How are the schools in Spencerville?
Schools in Spencerville score 6.6 out of 10 on standardized testing, near the national average. 12.2% of adults in Spencerville hold a bachelor's degree or higher, below the national average of 33.7%. 83.1% have completed high school. 4.0% hold a graduate or professional degree.
How healthy is Spencerville?
The obesity rate in Spencerville is 38.4% (above the national rate of 32.1%). 17.6% of adults are smokers. 26.8% are physically inactive. 30.0% of residents report depression. 8.0% lack health insurance. 77.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,884.
What is transportation like in Spencerville?
The average commute in Spencerville is 22 minutes, shorter than the national average of 28 minutes. 85.8% of workers drive alone to work, 2.4% use public transit, and 2.1% work from home.
What are the demographics of Spencerville?
The racial and ethnic makeup of Spencerville is 95.1% White, 1.7% Black or African American. 98.6% of residents speak only English at home. 7.9% of the population are military veterans. 24.1% of residents have a disability. 96.6% have health insurance coverage.
All Countries
