HomeSouth DakotaMcCook CountySpencer
Spencer, South Dakota: commercial real estate data.
Spencer is a Census city of 103 people across 0.27 square miles of land, in McCook County. Median household income is $67,188, 84.2 percent of occupied homes are owned.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spencer
What Spencer is
- Census place typecity
- Land area0.27 sq mi
- Water area0 sq mi
- Population per square mile of land384 plus or minus 145
- County holding the largest share of its areaMcCook 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
- Population103 plus or minus 39
- Median age36.8 plus or minus 25.3
- Population under 1821 plus or minus 17
- Share under 1820.4 percent plus or minus 14.3
- Population 65 and over25 plus or minus 17
- Share 65 and over24.3 percent plus or minus 13.9
- Households57 plus or minus 18
- Family households34 plus or minus 13
- Share of households that are families59.6 percent plus or minus 12.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Income and work in Spencer
- Median household income$67,188 plus or minus $29,172
- Per capita income$43,048
- Civilian labor force60 plus or minus 21
- Employed60 plus or minus 21
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over72 plus or minus 24
- Adults 25 and over with a high school diploma or higher94.4 percent
- Adults 25 and over with a bachelor degree or higher18.1 percent plus or minus 19.2
- Adults 25 and over with a graduate degree2.8 percent plus or minus 14.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Housing in Spencer
- Housing units64 plus or minus 19
- Occupied units57 plus or minus 18
- Vacant units7 plus or minus 9
- Vacancy rate10.9 percent plus or minus 13.7
- Owner occupied48 plus or minus 16
- Renter occupied9 plus or minus 10
- Ownership rate84.2 percent
- Median owner-occupied home value$155,600
- Median gross rent, monthly$440 plus or minus $133
- Annual rent as a share of median income7.9 percent plus or minus 4.2
- Single family units52 plus or minus 18
- Share single family81.3 percent
- Units in buildings of two or more7 plus or minus 13
- Share in buildings of two or more10.9 percent plus or minus 20.7
- Mobile homes5 plus or minus 7
- Median year structure built1993
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 commute52 plus or minus 19
- Commuting under 15 minutes6 plus or minus 12
- Share commuting under 15 minutes11.5 percent plus or minus 22.8
- Commuting 30 minutes or more26 plus or minus 16
- Share commuting 30 minutes or more50.0 percent plus or minus 25.9
- Drove alone81.7 percent plus or minus 40.2
- Carpooled5.0 percent plus or minus 11.5
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home13.3 percent plus or minus 10.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
SBA loans in Spencer (504)
- Approvals1
- Gross approval$147,000
- Average approval$147,000
- Median approval$147,000
- Largest approval$147,000
- Jobs supported2
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Spencer, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Spencer
Flood risk in Spencer
- NFIP communityTown of Spencer
- NFIP community number460140
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/11/25
The Town of Spencer participates in the National Flood Insurance Program as community 460140 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.
McCook County, not Spencer
McCook County context, not Spencer figures
- Establishments in McCook County184
- Covered employment, McCook County1,338
- Average annual pay, McCook County$50,576
- Housing units permitted, McCook County21
Every figure in this section is published for McCook 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, South Dakota?
103, in 57 households. Spencer city covers 0.27 square miles of land, which is 384 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?
McCook 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?
$67,188. The median owner-occupied home is valued at $155,600. Median gross rent is $440 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Is Spencer in the National Flood Insurance Program?
Yes. Spencer appears in the FEMA Community Status Book as Spencer, town of, community 460140, 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 McCook 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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