HomeNebraskaBoyd CountySpencer village
Spencer village, Nebraska: commercial real estate data.
Spencer village is a Census village of 312 people across 0.60 square miles of land, in Boyd County. Median household income is $58,667, 74.0 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $65,000.
66 sourced place values · tier FULL · 7 sections
Spencer
What Spencer is
- Census place typevillage
- Land area0.6 sq mi
- Water area0 sq mi
- Population per square mile of land522 plus or minus 109
- County holding the largest share of its areaBoyd County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
How many people live in Spencer
- Population312 plus or minus 65
- Median age55.8
- Population under 1855 plus or minus 22
- Share under 1817.6 percent plus or minus 6.1
- Population 65 and over108 plus or minus 23
- Share 65 and over34.6 percent
- Households150 plus or minus 41
- Family households85 plus or minus 25
- Share of households that are families56.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Income and work in Spencer
- Median household income$58,667
- Per capita income$31,841
- Civilian labor force170 plus or minus 46
- Employed168 plus or minus 46
- Unemployed2 plus or minus 3
- Unemployment rate1.2 percent plus or minus 1.7
- Adults 25 and over242
- Adults 25 and over with a high school diploma or higher97.1 percent plus or minus 26.0
- Adults 25 and over with a bachelor degree or higher12.8 percent plus or minus 6.5
- Adults 25 and over with a graduate degree3.3 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Housing in Spencer
- Housing units227 plus or minus 47
- Occupied units150 plus or minus 41
- Vacant units77 plus or minus 34
- Vacancy rate33.9 percent plus or minus 13.2
- Owner occupied111 plus or minus 35
- Renter occupied39 plus or minus 20
- Ownership rate74.0 percent
- Median owner-occupied home value$82,500
- Median gross rent, monthly$713
- Annual rent as a share of median income14.6 percent
- Single family units220 plus or minus 48
- Share single family96.9 percent
- Units in buildings of two or more1 plus or minus 10
- Share in buildings of two or more0.4 percent plus or minus 4.5
- Mobile homes6 plus or minus 6
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
How Spencer gets to work
- Workers 16 and over who commute152 plus or minus 39
- Commuting under 15 minutes104 plus or minus 28
- Share commuting under 15 minutes68.4 percent
- Commuting 30 minutes or more30 plus or minus 16
- Share commuting 30 minutes or more19.7 percent plus or minus 9.0
- Drove alone71.4 percent plus or minus 27.7
- Carpooled10.6 percent plus or minus 6.2
- Public transport0.0 percent
- Walked12.4 percent plus or minus 5.9
- Worked from home5.6 percent plus or minus 6.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
SBA 7(a) lending to Spencer borrowers
- Approvals1
- Gross approval$65,000
- Average approval$65,000
- Median approval$65,000
- Ninetieth percentile approval$65,000
- Largest approval$65,000
- Jobs supported2
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term240 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Boyd County, not Spencer
Boyd County context, not Spencer figures
These are Boyd County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Spencer measurements.
- Establishments in Boyd County63
- Employment at those establishments, Boyd County433
- Covered employment, Boyd County560
- Average annual pay, Boyd County$36,958
- Average weekly wage, Boyd County$711
- Housing units permitted, Boyd County0
- Of those, single family, Boyd County0
- County product, 2024, Boyd County$139,785,000
- County product change over the prior year, Boyd County-1.1 percent
- Average income of an arriving household, Boyd County$37,935
Every figure in this section is published for Boyd County as a whole and is not a measurement of Spencer. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Spencer questions, answered from the record.
How many people live in Spencer, Nebraska?
312, in 150 households. Spencer village covers 0.60 square miles of land, which is 522 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Spencer in?
Boyd County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Spencer?
$58,667. The median owner-occupied home is valued at $82,500. Median gross rent is $713 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Spencer businesses?
1 7(a) approvals totalling $65,000, across 1 lenders, median approval $65,000. These count approvals to borrowers whose address is in Spencer, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Spencer borrowers get paid back?
No rate is published for Spencer. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Spencer figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Boyd County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Spencer.
Is zoning published for Spencer?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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