Spencerville is a small town of 2,127 in Ohio, with a median household income of $40,455
and a 7.9% unemployment rate.
Its cost of living index is 88 (US average = 100), which is
12% below the national average.
Strengths:
Spencerville stands out for an affordable cost of living, below-average home prices, lower-than-average crime, short average commutes.
Trade-offs:
Potential downsides include an elevated unemployment rate. Whether Spencerville is right for you depends on your priorities — the full breakdown is below.
All Spencerville city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 87.6
Spencerville's overall cost of living index is 87.6,
where 100 represents the US national average.
Living in Spencerville costs roughly 12% less than the average American city.
Metric
Spencerville, OH
National Avg
Median Home Value
$127,700
$244,900
Median Monthly Rent
$758
$1,163
Homeownership Rate
62.6%
65.9%
Median Household Income
$40,455
$74,755
Crime & Safety
Very Safe
Spencerville's violent crime rate is 46.4 per 100,000 residents
— 88% lower than the national average of ~380 per 100,000.
Violent Crime
46.4 /100k
Property Crime
836.0 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Spencerville is served primarily by Spencerville Local.
The student-to-teacher ratio is 18.0:1
(slightly above the national average of ~16:1).
Metric
Spencerville, OH
National Avg
School District
Spencerville Local
—
Elementary Schools
1
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
18.0:1
16:1
Bachelor's Degree or Higher
13.6%
35.4%
High School Diploma or Higher
83.8%
91.1%
Weather & Climate
Spencerville sees average highs of 33.6°F in January
and 83.6°F in July,
with 41.2 inches of annual precipitation
and 18.5 inches of snow per year.
Spencerville's cost of living index is 88, where 100 is the national average.
That makes Spencerville roughly 12% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $127,700 and median rent is $758/month.
Spencerville's violent crime rate is 46.4 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 836.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Spencerville are operated by Spencerville Local.
The district has 1 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 18.0:1. 13.6% of adults 25+ hold a bachelor's degree or higher.
Spencerville, OH has a population of 2,127, a median household income of $40,455, and an unemployment rate of 7.9%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Spencerville averages 33.6°F in January and 83.6°F in July. Annual rainfall is 41.2 inches
with about 18.5 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Spencerville, OH is covered by 1 ZIP code: 45887.
The population of Spencerville, Ohio is 2,127 with a median age of 35.8. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Spencerville: cost of living index 88 (100 = US average), median home $127,700, median household income $40,455, crime index 23 (100 = US average, lower is safer), schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Spencerville side by side with your current city to see the trade-offs.
