Spencer, Iowa

Area Profile

11,400 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Spencer, in Clay County.

58out of 100
Area Score
Bottom 47% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 13 sources
OpportunityTop 39% of 4,199 cities measured61
SchoolsTop 28% of 4,162 cities measured67
GrowthTop 17% of 4,224 cities measured69
Housing affordabilityTop 14% of 4,218 cities measured79
Climate4,042nd of 4,225 cities measured55
Physical resilience3,302nd of 4,226 cities measured27
Access4,082nd of 4,226 cities measured49
Economic stability2,199th of 4,226 cities measured57
The quick read

Unemployment is 2.9% and median household income $59,667, putting employment conditions in the middle range of cities measured. The unemployment rate is published for Clay County, IA, which contains Spencer, rather than for Spencer alone.

In the public schools here, 77% of students met the state standard in mathematics, with 15.5 students for every teacher.

Development activity is both elevated and accelerating — 51 housing units permitted over the past twelve months, against 13 the year before.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
11,400
2024 ACS 5-Year
Median household income
$59,667
Bottom 39% nationally
Density
1,041/sq mi
10.9 sq mi of land
Median age
41.4
2024 ACS 5-Year
County
Iowa
Micro area
Nearest major airport
SUX
81 mi · Sioux Gateway/Brig General Bud Day Fld
Median home value
$184,800
2024 ACS 5-Year

Jobs & opportunity

Unemployment across Clay County, IA, which contains Spencer, is 2.9%, lower than in 95% of the 4,226 measured US cities.

Employment across Clay County, IA, which contains Spencer, fell 0.7% over the past year, to 8,645 employed residents.

MetricValueCompared nationallySource period
Income of new arrivalsClay County, IA’s figurefiling years 2022–2023$53,68413th percentileof 4,101filing years 2022–2023
Income of those who leftClay County, IA’s figurefiling years 2022–2023$57,81221st percentileof 4,101filing years 2022–2023
Median household income ±$6,5312024 ACS 5-Year$59,667Bottom 39%of 29,2232024 ACS 5-Year
Per capita income ±$2,8842024 ACS 5-Year$37,510Top 39%of 31,4202024 ACS 5-Year
Poverty rate ±3%2024 ACS 5-Year11.6%Bottom 47%of 31,7732024 ACS 5-Year
Average commute ±2.0 min2024 ACS 5-Year16.3 minTop 8%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±4%2024 ACS 5-Year29.8%Top 31%of 31,9192024 ACS 5-Year
Drove alone to work ±4%2024 ACS 5-Year82.2%67th percentileof 31,4332024 ACS 5-Year
EmploymentClay County, IA’s figureJuly 20268,645Bottom 1%of 4,226July 2026
Employment change (3 years)Clay County, IA’s figureJuly 2026−1.5%Bottom 32%of 4,226July 2026
Employment change (year over year)Clay County, IA’s figureJuly 2026−0.7%Top 49%of 4,226July 2026
Labor forceClay County, IA’s figureJuly 20268,9011st percentileof 4,226July 2026
Labor force participation ±2%2024 ACS 5-Year84.8%Top 25%of 31,5132024 ACS 5-Year
Public transit to work ±2%2024 ACS 5-Year1.1%85th percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)Clay County, IA’s figureJuly 2026−0.5%Top 25%of 4,226July 2026
Unemployment rateClay County, IA’s figureJuly 20262.9%Top 5%of 4,226July 2026
Worked from home ±2%2024 ACS 5-Year5.8%40th percentileof 31,4332024 ACS 5-Year

Median household income, successive ACS releases

202120222023202460k45k
Each point is a separate five-year estimate, most recently $59,667 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Clay County, IA, which contains this city.

77% of students met the state standard in mathematics and 79% in reading, across the schools here that reported results.

There are 15.5 students for every full-time teacher across 5 public schools, fewer than in most measured places.

Public schools
5
2024-25 school year
Students per teacher
15.5
across all schools here
Math proficiency
77.5%
Top 37% in Iowa
Reading proficiency
79.1%
Top 20% in Iowa
All 5 public schools on record, largest first.
SchoolDistrictStudentsPer teacherMathReading
Spencer High SchoolSpencer Comm School District68817.272%82%
Spencer Middle SchoolSpencer Comm School District51417.783%79%
Lincoln Elementary SchoolSpencer Comm School District44215.877%76%
Fairview Park ElementarySpencer Comm School District24912.482%77%
Johnson ElementarySpencer Comm School District20111.2——

50.3% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Iowa’s own standard, so it is ranked within state. How to read school figures.

The Federal Housing Finance Agency’s house price index for the non-metropolitan parts of Iowa is up 40% over five years, and up 3.1% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

Homeowners here who pay a tax bill pay a median of $2,419 a year in real estate taxes, about 1.31% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $919, some 14% above the $805 tenants already here pay.

At HUD’s Fair Market Rent of $919 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $36,800 a year, about 62% of the median household income here of $59,667.

The typical renter household here spends 27% of its income on rent, below the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $805 a month.

A median home at $184,800 costs 2.4 times the median income of its owner-occupied households, $76,800, close to the historic benchmark for an affordable market.

Rent as a share of income
27.0%
Below the 30% cost-burdened threshold
Home price to income
2.4×
median home value ÷ owner household income
Market rent, two bedroom
$919
what a new lease costs · FY2026
Median gross rent
$805
what tenants now pay · 2024 ACS 5-Year
Median home value
$184,800
2024 ACS 5-Year

The figures above are measured against Spencer’s median household income of $59,667, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Home price change (1 year)the non-metropolitan parts of Iowa’s figure2026 Q2+3.1%49th percentileof 4,1542026 Q2
Home price change (5 years)the non-metropolitan parts of Iowa’s figure2026 Q2+39.6%39th percentileof 4,1542026 Q2
Home price change (10 years)the non-metropolitan parts of Iowa’s figure2026 Q2+74.3%20th percentileof 4,1542026 Q2
Home price to income ±0.32024 ACS 5-Year2.4Top 47%of 26,8152024 ACS 5-Year
Homeownership rate ±4%2024 ACS 5-Year68.1%34th percentileof 31,7172024 ACS 5-Year
Housing units ±1672024 ACS 5-Year5,69390th percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$700Top 2%of 4,072FY2026
Market rent, three bedroomFY2026$1,198Top 3%of 4,072FY2026
Market rent, two bedroomFY2026$919Top 3%of 4,072FY2026
Median gross rent ±$952024 ACS 5-Year$805Top 29%of 23,1202024 ACS 5-Year
Median home value ±$11,6442024 ACS 5-Year$184,80049th percentileof 29,1112024 ACS 5-Year
Median property taxes ±$1772024 ACS 5-Year$2,41964th percentileof 26,4402024 ACS 5-Year
Owner household income ±$6,7202024 ACS 5-Year$76,800Bottom 47%of 27,5482024 ACS 5-Year
Property tax rate ±0.13%2024 ACS 5-Year1.31%69th percentileof 20,5432024 ACS 5-Year
Rent as a share of income ±2%2024 ACS 5-Year27.0%Top 42%of 22,9502024 ACS 5-Year
Seasonal and second homes ±722024 ACS 5-Year6485th percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year1.1%63rd percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year7.5%53rd percentileof 31,7692024 ACS 5-Year
Vacant housing units ±1882024 ACS 5-Year49290th percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures.

Development Momentum

69/ 100
Top 17% of 4,224 published city profiles
The most recent move in permitting was upward, in a series running from 2022 to 2025. That is the direction of the recent run. The chart below compares the first year with the last, which can point the other way.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 1% since 2020, reaching 11,418 in 2024.

Permitting has turned upward after moving the other way the year before: 54 units authorized in 2025, against 2 the year before.

Federal tax returns show that people moving in from elsewhere in the US and people moving out roughly balanced across Clay County, which contains Spencer, in the most recent year. Households that moved in reported an average income of $53,684, below the $57,812 of households that moved out.

At 4.5 permitted units per 1,000 residents, building activity is above the median for measured US cities.

Units permitted
51
12 months ending July 2026
Per 1,000 residents
4.5
Top 32% nationally
Year over year
+292%
vs the prior twelve months
Multifamily share
58.8%
units in 5+ unit buildings

Population, annual estimates

2020202120222023202411k11k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population. It has been falling, over a series running from 2020 to 2024.

People moving in and out

Net migration
+0.1%
of residents, in a year
Arrivals from another state
40%
of people moving in
Income of arrivals
$53,684
average per tax return
Income of those who left
$57,812
average per tax return

Where newcomers came from

  1. Dickinson County, IA 107 people · 15% of arrivals
  2. O'Brien County, IA 41 people · 5.9% of arrivals
  3. Palo Alto County, IA 37 people · 5.3% of arrivals
  4. Buena Vista County, IA 36 people · 5.2% of arrivals

Where people who left went

  1. Dickinson County, IA 95 people · 14% of departures
  2. Buena Vista County, IA 58 people · 8.5% of departures
  3. Palo Alto County, IA 56 people · 8.2% of departures
  4. O'Brien County, IA 34 people · 5.0% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Clay County, IA. IRS Statistics of Income, filing years 2022–2023.

Housing units permitted per year

2022202320242025542.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was higher than 2022 (+170%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 85°F and January a low of 8°F.

Normal annual precipitation is 26.8 inches.

0°20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station SPENCER MUNI AP, 2.7 miles from this location.

Precipitation

JFMAMJJASOND4.0"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation1991-2020 Normals26.8"1991-2020 Normals
Average January low1991-2020 Normals8°F1991-2020 Normals
Average July high1991-2020 Normals85°F1991-2020 Normals
Comfortable months1991-2020 Normals51991-2020 Normals
Seasonal temperature swing1991-2020 Normals56°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. How to read climate and air quality.

Physical risk

27 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and hail, with inland flooding alone responsible for 64% of it.

HailHigh
Winter weatherModerate
TornadoHigh
Inland floodingHigh
Cold waveElevated
Strong windModerate
Heat waveModerate

Low or minimal exposure: drought, ice storm, landslide, wildfire, earthquake, lightning, avalanche, tsunami, volcanic activity, hurricane, coastal flooding.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Violent crime
96
per 100,000 residents · 2025 calendar year
Property crime
874
per 100,000 residents · 2025 calendar year

Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.

Spencer's police department reported 96 violent offenses per 100,000 residents, lower than most places with a department reporting. Property crime runs at 874.

Drug overdose deaths run at about 8.6 per 100,000 residents in Clay County.

Firearm deaths, all intents
10.1
per 100,000 residents · modeled, not measured
Drug overdose
8.6
per 100,000 residents · modeled, not measured
Suicide
14.9
per 100,000 residents · modeled, not measured

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Offenses are reported to the FBI by Spencer’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Spencer (Clay County) rather than Spencer itself. Neither is part of the Area Score. How to read crime rates and death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Cost of living
Price parities are published for metropolitan areas, and this place lies outside one.
Death-certificate rates
The CDC publishes these rates by county, and no county figure could be attached to this page.
Air quality
The EPA publishes an air-quality index only where a monitor sits. There is none in this county, and a modeled value would be a different kind of number from the measured ones everywhere else on this page.
Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. Cost of living is published where the Bureau of Economic Analysis measures it, though not for this place. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

2 major airports lie within 100 miles, the nearest Sioux Gateway/Brig General Bud Day Fld at 81 miles.

MetricValueCompared nationallySource period
Broadband access ±4%2024 ACS 5-Year89.1%Bottom 47%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle81 miBottom 3%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle2Bottom 8%of 4,226NASR current cycle
No internet access ±2%2024 ACS 5-Year3.9%Top 30%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Sioux Gateway/Brig General Bud Day FldSUX81 mi9,002 ft
Joe Foss FldFSD85 mi9,000 ft
Eppley AirfieldOMA133 mi9,502 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
58
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Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
SafetyFederal Bureau of Investigation, Crime Data Explorer
Summarized offense counts by law enforcement agency
2025 calendar year
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimate
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.

ZIP codes in Spencer

1 ZIP area

Every ZIP area in Spencer with census figures of its own, largest first. The ones linked below diverge enough from the city as a whole to carry a full profile; the rest track Spencer closely, so their figures are here rather than on a page that would repeat this one. An Area Score is calculated for published profiles only, which is why it is blank on those rows.

ZIPPopulationMedian household incomeMedian home valueArea Score
5130112,638$63,402$188,300—