Indiana / Owen County

Moving to Spencer, IN

Thinking of making a move to Spencer, IN? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Spencer, IN

Considering a move to Spencer, IN? This welcoming community of 2,100 residents offers a blend of suburban charm and convenience, with median home prices around $195,000 and average rents near $925. Commute times average 25 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (54% annually), ideal for families and commuters alike. Explore Spencer's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Spencer, IN

Spencer has a population of 2,100 residents, offering a diverse community with a median age of nearly 42 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 95% White, 1% Black, and 1% Asian residents, and over 3% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
2,100
Density
1,200 per sq mi
Median Age
42.1
Gender Ratio
97 males per 100 females
Non-English Speakers Percentage
2.8%

Ethnic Composition

White
95.2%
Black
1.1%
Asian
0.7%
Others
3.0%

Cost Of Living

What is the average cost of living in Spencer, IN?

The cost of living in Spencer is higher than the national average, with a cost of living index of 82.4. Median home values are around $195,000 and average rents for a two-bedroom apartment are approximately $925. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$195,000
Gross Rent
$925
Monthly Electricity Charges
$145
Auto Insurance
$1,520
House Owner Cost With Mortgage
$1,420
House Owner Cost Without Mortgage
$510
State Taxes
Low: 3.15%| High: 3.15%
Cost Of Living Index
82.4
Grocery
94.5
Housing
66.8
Utilities
98.7
Transportation
93.1
Health Care
96.4
Miscellaneous
90.8

Crime

Is Spencer, IN a safe place to live?

Spencer is considered a safe community, with a low violent crime rate of 210 incidents per 100,000 residents and a property crime chance of 1 in 68. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in Indiana.

Violent Crimes Per 100k
210
Property Crimes Per 100k
1,480
Crime Index
1,690
Chance Of Violent Crime
1 in 476
Chance Of Property Crime
1 in 68

Weather

What is the weather like in Spencer, IN year-round?

Spencer experiences four distinct seasons, with warm summers reaching highs of 86°F and cold winters dipping to 22°F. The area receives about 44 inches of rainfall annually and enjoys sunshine on 54% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
22°F
Max
40°F

Summer

Min
66°F
Max
86°F

Spring

Min
43°F
Max
68°F

Fall

Min
46°F
Max
69°F
Average Rainfall Inches
43.5 inches
Sunny Days Percentage
54%

Neighbors

The neighborhood boasts a healthy median household income of $54,800 and a low poverty rate of 13.8%. Over 89% of residents have at least a high school diploma, and nearly 19% hold a bachelor's degree or higher. Commute times average 25 minutes, and almost 2% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$31,500
Household Income
$54,800
Family Income
$66,200
Per Capita Income
$27,400
Income Male
$38,200
Income Female
$29,000
Poverty Rate
13.8%
Non English Speakers
4.6%
Rent
$925
Unemployment Rate
4.3%
Public Transport Usage
1.5%
Commute Time
24.8 minutes

Education

High School or Higher
89.1%
Bachelors or More
18.7%

Education

How are the schools in Spencer, IN?

Spencer offers quality education options, with public schools like Owen Valley Middle School and Spencer Elementary School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Indiana University Bloomington and Ivy Tech Community College Bloomington. The community is committed to educational excellence for all age groups.

Public Schools

Name
Owen Valley Middle School
Street
111 S Rotherwood Ave
Phone
812-829-2255
Students
520
Student Teacher Ratio
14.1
Name
Spencer Elementary School
Street
201 E Hillside Ave
Phone
812-829-2245
Students
360
Student Teacher Ratio
15.0

Private Schools

Name
St. John the Apostle School
Street
259 Vinyard St
Phone
812-829-2535
Students
120

Colleges

Name
Indiana University Bloomington
City
Bloomington
State
IN
Distance
16 miles
Students
48,000
Name
Ivy Tech Community College Bloomington
City
Bloomington
State
IN
Distance
16 miles
Students
4,000

Healthcare

Spencer residents have access to quality healthcare, with major hospitals like IU Health Bloomington Hospital and Monroe Hospital nearby. The community benefits from a high physician-to-resident ratio of 1.6 per 1,000 people and 92.1% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
IU Health Bloomington Hospital
Address
2651 E Discovery Pkwy, Bloomington, IN 47408
Phone
(812) 353-5252
Type
General & Surgical
Emergency Services
Yes
Name
Monroe Hospital
Address
550 S Landmark Ave, Bloomington, IN 47403
Phone
(812) 825-1111
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
1.6
Health Insurance Coverage
92.1%
Health Care Index
68.4

Housing Market

What is the housing market like in Spencer, IN?

The local housing market is strong, with a median home price of $195,000 and an owner-occupied rate of nearly 73%. The market has seen a 4.2% appreciation over the past year, and rental vacancy rates remain moderate at 6.1%. Spencer offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$195,000
Average Rent For 2 Bedroom
$925
Owner Occupied Rate
73.4%
Rental Vacancy Rate
6.1%
Home Appreciation Rate (1yr)
4.2%
New Construction Rate
0.8%
Foreclosure Rate
0.7%

DMV Information

Residents of Spencer handle vehicle services through the Indiana Bureau of Motor Vehicles, conveniently located in Indianapolis. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
Indiana
Department
Indiana Bureau of Motor Vehicles
Address
100 N Senate Ave, Indianapolis, IN 46204
Phone
(888) 692-6841

Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.

FAQs About Moving to Spencer, IN

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Spencer, review the core fields on this page: population 2,100, median home value $195,000, average rent for 2 bedroom $925, commute time 24.8 minutes, and sunny days percentage 54%.

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