HomeNew YorkTioga CountySpencer
Spencer, New York: commercial real estate data.
Spencer is a Census village of 932 people across 1.04 square miles of land, in Tioga County. Median household income is $51,765, 62.6 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $300,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spencer
What Spencer is
- Census place typevillage
- Land area1.04 sq mi
- Water area0.01 sq mi
- Population per square mile of land900 plus or minus 207
- County holding the largest share of its areaTioga 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
- Population932 plus or minus 214
- Median age34.4 plus or minus 7.5
- Population under 18268 plus or minus 103
- Share under 1828.8 percent plus or minus 8.9
- Population 65 and over138 plus or minus 34
- Share 65 and over14.8 percent
- Households364
- Family households235 plus or minus 67
- Share of households that are families64.6 percent plus or minus 14.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Income and work in Spencer
- Median household income$51,765 plus or minus $16,344
- Per capita income$27,746
- Civilian labor force435 plus or minus 109
- Employed408 plus or minus 110
- Unemployed27 plus or minus 26
- Unemployment rate6.2 percent plus or minus 5.8
- Adults 25 and over584 plus or minus 121
- Adults 25 and over with a high school diploma or higher82.0 percent
- Adults 25 and over with a bachelor degree or higher28.3 percent plus or minus 9.3
- Adults 25 and over with a graduate degree7.2 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Housing in Spencer
- Housing units401 plus or minus 81
- Occupied units364
- Vacant units37 plus or minus 31
- Vacancy rate9.2 percent plus or minus 7.5
- Owner occupied228 plus or minus 61
- Renter occupied136 plus or minus 45
- Ownership rate62.6 percent
- Median owner-occupied home value$154,300
- Median gross rent, monthly$1,046
- Annual rent as a share of median income24.2 percent plus or minus 8.6
- Single family units277 plus or minus 70
- Share single family69.1 percent
- Units in buildings of two or more106 plus or minus 56
- Share in buildings of two or more26.4 percent plus or minus 12.9
- Mobile homes18 plus or minus 15
- Median year structure built1952
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 commute367 plus or minus 111
- Commuting under 15 minutes95 plus or minus 53
- Share commuting under 15 minutes25.9 percent plus or minus 12.2
- Commuting 30 minutes or more220 plus or minus 92
- Share commuting 30 minutes or more59.9 percent plus or minus 17.1
- Drove alone78.7 percent
- Carpooled2.5 percent plus or minus 2.4
- Public transport0.0 percent
- Walked1.7 percent plus or minus 2.9
- Worked from home10.0 percent plus or minus 6.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
SBA loans in Spencer (7(a))
- Approvals3
- Gross approval$300,000
- Average approval$100,000
- Median approval$75,000
- Largest approval$200,000
- Jobs supported4
- Jobs per approval1.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Spencer, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spencer
Flood risk in Spencer
- NFIP communityTown of Spencer
- NFIP community number360841
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/17/12(M)
The Town of Spencer participates in the National Flood Insurance Program as community 360841 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Tioga County, not Spencer
Tioga County context, not Spencer figures
- Establishments in Tioga County743
- Covered employment, Tioga County13,093
- Average annual pay, Tioga County$67,197
- Housing units permitted, Tioga County142
Every figure in this section is published for Tioga County as a whole and is not a measurement of Spencer.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Spencer questions, answered from the record.
How many people live in Spencer, New York?
932, in 364 households. Spencer village covers 1.04 square miles of land, which is 900 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?
Tioga 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?
$51,765. The median owner-occupied home is valued at $154,300. Median gross rent is $1,046 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?
3 7(a) approvals totaling $300,000 since FY2020, across 2 lenders, median approval $75,000. 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 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Spencer in the National Flood Insurance Program?
Yes. Spencer appears in the FEMA Community Status Book as Spencer, town of, community 360841, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Spencer figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Tioga 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?
No. Nothing on this page presents parcel level zoning.
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