Spencer County, Indiana Demographics
Population trends, housing costs, income, commuting, and health, all on one page.
Spencer County, IN Population Density Map and Area Scores
Area Score
Health, income and education, each graded from F to A+. Explore interactive maps for deeper analysis.
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B
Health Around averageHealthier than 82% of counties in Indiana
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B
Income Around averageWealthier than 80% of counties in Indiana
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F
Education Well below average
Source: Map AI Methodology
Population: density and quick facts
| Metric | Spencer County | Indiana Avg | U.S. Average |
|---|---|---|---|
| Population | 19,953 | 6,845,048 | 337,468,954 |
| Population density (per sq mi) | 49.7 | 188.1 | 86.4 |
| Population growth (%/yr) | -0.66% | 0.47% | 0.59% |
| Median age | 42.4 | 35.9 | 37.3 |
| Households | 8,078 | 2,713,821 | 130,235,071 |
Population in Spencer County declined by 2.1% from 2009 to 2024, reaching 19,953 in 2024.
Population Growth 2009–2024
Race & Ethnicity
Age & Sex
The largest generation in Spencer County is Gen X, aged 45–60, at 22.5% of residents. That is 3.0 points above Indiana as a whole.
- Gen Z 13–28 3,705 18.6% -3.7 pts
- Millennials 29–44 3,735 18.7% -2.5 pts
- Gen X 45–60 4,485 22.5% +3.0 pts
- Boomers 61–79 4,167 20.9% +4.2 pts
Residents by birth cohort, from the 2025 age distribution. The right-hand figure is how far each cohort's share sits above or below Indiana, in percentage points. Children younger than Gen Z and the generations before the Boomers are counted in the population but not shown here, so these shares do not add up to 100%.
Male and female share
Women are 49.4% of the people living in Spencer County and men 50.6%.
- Women 49.4% Indiana 50.4%
- Men 50.6% Indiana 49.6%
How many residents match a customer profile?
Residents matching this profile
100% of everyone living in Spencer County
Pick an age range and a women/men split and the figure above answers with how many residents that profile reaches.
Economy
Spencer County has a the economy index of B, which means it is quite prosperous.
| Metric | Spencer County | Indiana Avg | U.S. Average |
|---|---|---|---|
| Median household income | $74,653 | $71,967 | $80,455 |
| Income growth (%/yr) | 4.06% | 4.54% | 4.80% |
| Unemployment rate | 3.3% | 4.3% | 5.2% |
The median household income in Spencer County is about 4% higher than in Indiana.
Housing
| Metric | Spencer County | Indiana Avg | U.S. Average |
|---|---|---|---|
| Median home price | $169,349 | $142,738 | $248,835 |
| Median rent | $751 | $1,062 | $1,407 |
| Homeownership rate | 81.3% | 70.6% | 65.2% |
The median home price in Spencer County is about 18.8 years' worth of rent — buying at the median price costs roughly as much as paying the median rent of $751 per month for that long.
Commute Time & Mobility
Commuters in Spencer County spend about 45 minutes on the road round trip each working day. Over a typical 250-day work year, that adds up to roughly 189 hours, about 7.9 full days, spent commuting.
| Metric | Spencer County | Indiana Avg | U.S. Average |
|---|---|---|---|
| One-way commute (min) | 22.7 | 21.1 | 22.4 |
| Round-trip commute (min) | 45.4 | 42.2 | 44.8 |
| Yearly time spent (hours) | 189 | 176 | 187 |
| Estimated yearly cost | $5,861 | $5,455 | $5,790 |
| Work from home | 4.5% | 10.7% | 15.0% |
| Highway traffic (vehicles/day) | 4,105 | 8,333 | 8,813 |
| Local road traffic (vehicles/day) | 891 | 1,308 | 1,355 |
Fastest commutes among counties in
Indiana:
Knox County (15.8 min), Howard County (15.9 min), Daviess County (16.3 min).
Slowest:
Crawford County (33.6 min), Brown County (32.6 min), Franklin County (31.9 min).
The average commute time in Spencer County is 23 minutes, longer than the 21 minutes in Indiana.
Estimated yearly cost applies a single national wage rule of thumb (U.S. Bureau of Labor Statistics average hourly earnings), not a measurement of wages in this area. Traffic volume figures come from proprietary Ticon and TrafficZoom data.
Education & Households
Spencer County has a education index of F, which means it scores poorly in education.
| Metric | Spencer County | Indiana Avg | U.S. Average |
|---|---|---|---|
| Bachelor's degree or higher | 18.8% | 26.0% | 31.6% |
| Average household size | 2.43 | 2.45 | 2.53 |
Highest education index among counties in
Indiana:
Hamilton County (0.4), Boone County (0.4), Monroe County (0.3).
Lowest:
LaGrange County (0.1), Crawford County (0.2), Switzerland County (0.2).
Health
Spencer County has a health index of B, which means it is quite healthy.
| Metric | Spencer County | Indiana Avg | U.S. Average |
|---|---|---|---|
| Life expectancy (years) | 80.7 | 77.4 | 78.3 |
| Self-rated poor health | 16.7% | 17.1% | 16.3% |
| Smokers | 22.8% | 22.4% | 19.0% |
Highest health index among counties in
Indiana:
Hamilton County (0.8), Monroe County (0.8), Boone County (0.8).
Lowest:
LaGrange County (0.8), Daviess County (0.8), Switzerland County (0.8).
Spencer County, IN Compared With Nearby Counties
Spencer County, IN is the smallest of the 4 counties compared here, 19,953 residents against a local median of 65,261. Spencer County, IN's commute, at 22.7 min, runs 36% above the 16.7 min typical of the counties around it. That is the weaker end of the local range on this measure.
Median home price tells the same story from another angle: $169,349 against a local median of $136,718, 24% above it. The counties themselves spread 5.0 min on commute, so Spencer County, IN sits at one end of an already wide local range rather than apart from it. Spencer County, IN has the 4th lowest commute of the 4 areas compared here.
| Area | Population | Median household income | Median home price | Commute |
|---|---|---|---|---|
| Spencer County, IN | 19,953 | $74,653 #3/4 | $169,349 #2/4 | 22.7 min #4/4 |
| Warrick County, IN | 65,261 | $91,714 | $130,787 | 21.3 min |
| Daviess County, KY | 103,589 | $67,826 | $212,371 | 16.3 min |
| Dubois County, IN | 43,614 | $75,837 | $136,718 | 16.7 min |
Frequently Asked Questions
Common questions about Spencer County, Indiana.
How many people live in Spencer County, Indiana?
About 19,953 people live in Spencer County, Indiana, in 8,078 households of 2.4 people on average. The median age is 42.4, so residents are older than the U.S. median of 37.3 by about 5 years.
Is Spencer County, Indiana mostly urban or rural?
Averaged over its land area, Spencer County, Indiana has 50 people per square mile, a density typical of rural areas. That is about 58% of the U.S. average of 86.
Is Spencer County, Indiana an affordable place to live?
The median home costs 2.3 times the median household income ($169,349 against $74,653), compared with 3.1 times nationally. That is within the traditional rule of thumb of about 3 times income. Median rent of $751 a month takes about 12% of the median household's income, below the 30% level at which HUD considers renters cost-burdened.
Is unemployment high in Spencer County, Indiana?
Unemployment in Spencer County, Indiana is only 3.3%, well below the U.S. rate of 5.2%, a sign of a tight labor market where employers compete for workers.
How educated are people in Spencer County, Indiana?
18.8% of adults in Spencer County, Indiana hold a bachelor's degree or higher (about 1 in 5), well below the U.S. share of 31.6%.
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