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Learn about the people, housing, costs and businesses in Spencer County County
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Spencer County.
Estimate payments for homes in Spencer County.
People, housing & businesses in Spencer County.
Find and compare lenders active near Spencer County.
Homeowners, flood & wildfire estimates for Spencer County.
Income, rent and all-in ownership costs for Spencer County.
FEMA flood zones and flood insurance estimates for Spencer County.
Seismic risk and earthquake insurance estimates for Spencer County.
Wildfire exposure and insurance estimates for Spencer County.
As of today, the 30-year fixed mortgage rate for Spencer County is approximately 6.975% (7.000% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Spencer CountyThe median home value in Spencer County is $314k. The median monthly rent is $957. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Spencer County have increased 14.2% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,417/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $61k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Spencer County is $102k/year.
Calculate your buying powerThe largest employment sectors in Spencer County are public administration (23%) and retail (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Adjacent counties and areas