Spencer County

The median income of households in Spencer County, Kentucky was $102,618. An estimated 4.1% of households had income below $10,000 a year and 12.2% had income of $200,000 or more.

An estimated 77.5% of households received earnings. An estimated 32.9% of households received Social Security and an estimated 28.4 % of households received retirement income other than Social Security. The average income from Social Security was $27,080. These income sources are not mutually exclusive; that is, some households received income from more than one source.

In 2020-2024, 9.8 % of people were in poverty. An estimated 14% of children under 18 were below the poverty level, compared with 3.2% of people 65 years old and over. An estimated 9.9% of people 18 to 64 years were below the poverty level.

In 2020-2024, 6.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 72.3% of households that received SNAP had children under 18, and 27.7% of households that received SNAP had one or more people 60 years and over. An estimated 40.7% of all households receiving SNAP were families with a female householder and no spouse present.

Among the civilian noninstitutionalized population in Spencer County, Kentucky in 2020-2024, 96.1% had health insurance coverage and 3.9% did not have health insurance coverage. Private coverage was 75.7% and public coverage was 33.8%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 1.8%.

In 2020-2024, Spencer County, Kentucky had a total population of 20,193 - 9,952 (49.3%) females and 10,241 (50.7%) males. The median age was 42.9 years. An estimated 22.5% of the population was under 18 years, 29.4% was 19 to 44 years, 30.4% was 45 to 64 years, and 15.5 % was 65 years and older.

In 2020-2024, there were 7,308 households in Spencer County, Kentucky. The average household size was 2.75 people.

Married-couple households made up 64% of the households in Spencer County, Kentucky while cohabiting couple households made up 8.5% of households. Female householders with no spouse or partner present were 13.9% of all households, while 13.7% of households had male householders with no spouse or partner present. Some households had one person, as 10.5% of households were male householders living alone, and 5.6% were female householders living alone, for a total of 16.1% of all households.

In Spencer County, Kentucky, 37% of all households had one or more people under the age of 18; 28.2% of all households had one or more people 65 years and over.

In 2020-2024, an estimated 99.3% of the people living in Spencer County, Kentucky were U.S. natives. 75.7% of the Spencer County, Kentucky population were living in the state where they were born.

Approximately 0.7% of Spencer County, Kentucky residents in 2020-2024 were foreign-born. 49% of foreign-born were naturalized U.S. citizens and an estimated 39.2 % entered the country before the year 2010.

Foreign-born residents of Spencer County, Kentucky come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for Spencer County, Kentucky.

Among people at least five years old living in Spencer County, Kentucky in 2020-2024, 1.6 % spoke a language other than English at home. Spanish was spoken by 0.7% of people at least five years old; 0.4% reported that they did not speak English "very well."

In 2020-2024, 91.6 % of the people at least one year old living in Spencer County, Kentucky were living in the same house one year earlier.

In 2020-2024, 93 % of people 25 years and over had at least graduated from high school and 23.6% had a bachelor's degree or higher. An estimated 7% did not complete high school.

The total school enrollment in Spencer County, Kentucky was 4,177 in 2020-2024. Nursery school enrollment was 285 and kindergarten through 12th grade enrollment was 3,320. College or graduate school enrollment was 572.

In Spencer County, Kentucky, among the civilian noninstitutionalized population in 2020-2024, 13.8 % reported a disability. The likelihood of having a disability varied by age - from 7.8% of people under 18 years old, to 13.6% of people 18 to 64 years old, and to 23.9% of those 65 and over.

In Spencer County, Kentucky, 60.5 % of the population 16 and over were employed; 36.3% were not currently in the labor force.

An estimated 81.5% of the people employed were private wage and salary workers; 12.9% were federal, state, or local government workers; and 5.3 % were self-employed in their own (not incorporated) business.

In 2020-2024, the civilian employed population 16 years and older in Spencer County, Kentucky worked in the following industries:

An estimated 79.8% of Spencer County, Kentucky workers drove to work alone in 2020-2024, and 4.9% carpooled. Among those who commuted to work, it took them on average 32.7 minutes to get to work.

In 2020-2024, Spencer County, Kentucky had a total of 7,712 housing units. Of these housing units, 90.6% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 4.3% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 5.1% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

16.6% of the housing inventory was comprised of houses built since 2010, while 7.2% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in Spencer County, Kentucky was 6.4 rooms, and of these housing units 87.3% had three or more bedrooms.

In 2020-2024, Spencer County, Kentucky had 7,308 housing units that were occupied or had people living in them, while the remaining 404 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 87.9% while renters occupied 12.1%. The average household size of owner-occupied houses was 2.77 and in renter-occupied houses it was 2.59.

2.8% of householders of these occupied houses had moved into their house since 2021, while 6.5% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 3% and another 41.8% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in Spencer County, Kentucky:

In 2020-2024, the median property value for owner-occupied houses in Spencer County, Kentucky was $330,000.

Of the owner-occupied households, 73.4 % had a mortgage. 26.6% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,795 and for owners without a mortgage it was $532.

For renter-occupied houses, the median gross rent for Spencer County, Kentucky was $987. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.