HomeWisconsinMarathon CountySpencer
Spencer, Wisconsin: commercial real estate data.
Spencer is a Census village of 1,686 people across 1.97 square miles of land, in Marathon County. Median household income is $69,750, 71.9 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $1.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spencer
What Spencer is
- Census place typevillage
- Land area1.97 sq mi
- Water area0 sq mi
- Population per square mile of land856
- County holding the largest share of its areaMarathon 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
- Population1,686
- Median age38.7
- Population under 18448 plus or minus 94
- Share under 1826.6 percent
- Population 65 and over348 plus or minus 80
- Share 65 and over20.6 percent
- Households752
- Family households490
- Share of households that are families65.2 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$69,750 plus or minus $15,920
- Per capita income$33,962
- Civilian labor force860
- Employed860
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over1,193
- Adults 25 and over with a high school diploma or higher90.1 percent
- Adults 25 and over with a bachelor degree or higher14.6 percent plus or minus 4.6
- Adults 25 and over with a graduate degree3.2 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
Housing in Spencer
- Housing units757
- Occupied units752
- Vacant units5 plus or minus 7
- Vacancy rate0.7 percent plus or minus 0.9
- Owner occupied541
- Renter occupied211 plus or minus 68
- Ownership rate71.9 percent
- Median owner-occupied home value$155,400
- Median gross rent, monthly$580 plus or minus $153
- Annual rent as a share of median income10.0 percent plus or minus 3.5
- Single family units564
- Share single family74.5 percent
- Units in buildings of two or more137 plus or minus 69
- Share in buildings of two or more18.1 percent plus or minus 8.8
- Mobile homes56 plus or minus 38
- Median year structure built1972
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 commute710
- Commuting under 15 minutes210 plus or minus 73
- Share commuting under 15 minutes29.6 percent plus or minus 8.6
- Commuting 30 minutes or more146 plus or minus 67
- Share commuting 30 minutes or more20.6 percent plus or minus 8.6
- Drove alone64.3 percent
- Carpooled11.4 percent plus or minus 5.6
- Public transport0.0 percent
- Walked4.7 percent plus or minus 3.3
- Worked from home16.4 percent plus or minus 5.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spencer
SBA loans in Spencer (7(a))
- Approvals6
- Gross approval$1,185,000
- Average approval$197,500
- Median approval$150,000
- Largest approval$500,000
- Jobs supported22
- Jobs per approval3.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term102 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS5
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 communityVillage of Spencer
- NFIP community number550315
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date(NSFHA)
The Village of Spencer participates in the National Flood Insurance Program as community 550315 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.
Marathon County, not Spencer
Marathon County context, not Spencer figures
- Establishments in Marathon County3,436
- Covered employment, Marathon County70,626
- Average annual pay, Marathon County$57,976
- Housing units permitted, Marathon County408
Every figure in this section is published for Marathon 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, Wisconsin?
1,686, in 752 households. Spencer village covers 1.97 square miles of land, which is 856 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?
Marathon 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?
$69,750. The median owner-occupied home is valued at $155,400. Median gross rent is $580 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?
6 7(a) approvals totaling $1.2 m since FY2020, across 3 lenders, median approval $150,000. 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, village of, community 550315, 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 Marathon 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.