City profile · Oklahoma · Census ACS 2023

Spencer, OK

Population, income, housing, safety, climate and schools for Spencer - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

3,942
Residents
$57,550
Median income
$119,000
Median home
$1,244
Median rent (state)

Spencer - the verdict

Measured against every US city with at least 1,000 residents, Spencer lands in the 31st percentile for household income and the 35th percentile for safety. Source: Census ACS + FBI UCR.

31st
percentile, household income
17th
percentile, home value
40th
percentile, median rent
35th
percentile, safety
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Spencer, OK

Spencer is a small town in Oklahoma, home to 3,942 residents per U.S. Census Bureau ACS 2023 estimates. The typical household in Spencer brings in $57,550 a year, below the median for U.S. cities on this measure, with a poverty rate of 15.4%. Typical homes in Spencer are valued around $119,000, and the median resident age is 40.5 years. Educational attainment runs 22.4% of adults with a bachelor's degree or higher. Separately, 60.0% of working-age residents are in the labor force.

In 2024, 0 residential building permits were authorized in Spencer (No Permits), per Census BPS data. Crime here tracks close to the national norm: per-100,000 total crime stands at 1891.2 in FBI UCR data, near the national average (a voluntary reporting program, read this as reporting activity, not a definitive danger score).

Living costs in Oklahoma run below the national norm: the state registers 87.8 on a 100-equals-national-average index (Well Below Average) per BEA Regional Price Parities 2024. A typical two-bedroom carries a HUD Fair Market Rent of $1,244 per month statewide. Statewide, average monthly utility bills in Oklahoma run around $205, per EIA 2023 residential energy data. On FEMA's National Risk Index, this area rates 97.9 out of 100 for natural-hazard exposure (Very High).

Population

3,942 residents

Census ACS 2023 - Oklahoma

Median Household Income

$57,550 /yr

Poverty 15.4%

Cost of Living Index (state)

87.8 (US=100)

Well Below Average - BEA RPP 2024, Oklahoma average

How does Spencer compare to other US cities?

Spencer measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.

Household income 31% higher than other cities
Home value 17% pricier than other cities
Median rent 40% pricier than other cities
Safety 35% safer than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

A national percentile can hide a lot of local variation: narrowed to Oklahoma alone, Spencer ranks #121 of 203 Oklahoma cities by lowest crime rate - a different, more locally useful comparison than stacking it against the entire country.

How we calculate these percentiles & ranks

For each metric we count every US city with population 1,000+ and a non-null value, then compute what share of them fall below Spencer's value: round(cities-below ÷ total × 100). Safety is inverted (percentile = share of cities with a higher crime rate) so a higher number always means safer. The in-state rank narrows that same crime-rate comparison to only the cities PlainCities tracks in Oklahoma, breaking ties alphabetically. See the methodology page for the full source-to-figure lineage.

31stIncome percentile
35thSafety percentile

31st percentile nationally for median household income · 35th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.

Spencer's profile vs. every US city

Income, affordability, and safety percentile

Spencer's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown. 3-axis radar comparing 1 series across Income, Affordability, Safety. IncomeAffordabilitySafety 46 Avg. percentile National median
Spencer's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.

How Spencer's home value compares nationally

Median home value vs. every US city (population 1,000+)

$119,000 Among the most affordable more affordable than 83% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). This entry sits in this band. $125,000–$150,000: 1,170 US cities (8%). Above this entry. $150,000–$175,000: 1,278 US cities (8%). Above this entry. $175,000–$200,000: 1,229 US cities (8%). Above this entry. $200,000–$225,000: 1,035 US cities (7%). Above this entry. $225,000–$250,000: 976 US cities (6%). Above this entry. $250,000–$275,000: 754 US cities (5%). Above this entry. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Spencer $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Spencer, OK Spencer, OK's reported median household income shown against the U.S. national quintile-share pattern (not Spencer, OK-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Spencer, OK median $57,550/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Spencer, OK's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Spencer, OK. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 22.4%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 15.4%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 60.0%

Census ACS S2301, share of working-age residents in the labor force

Population
3,942
Median Income
$57,550
Median Home Value
$119,000
Median Age
40.5
Poverty Rate
15.4%
Labor force participation
60.0%
Bachelor's Degree+
22.4%

Safety & Crime

Total Crime Rate
1891.2
per 100,000 residents
Violent Crime
518.1
per 100,000 residents
Property Crime
1373.1
per 100,000 residents

Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.

Schools

Total Schools
2
Public schools in this city

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
3,800 residents3,850 residents3,900 residents3,950 residents4,000 residents 202020212022202320242025 3,981 residents 3,857 residents ▼ -3.1%
Spencer's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

Total Permits (2024)
0
housing units authorized
Single-Family
0
detached homes
Multifamily
0
apartments & condos

5-Year Permit Trend (2019–2024)

Year Total
2019 0
2020 0
2021 0
2022 0
2023 0
2024 0

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
84.9%
Carpool
5.9%
Public Transit
0.0%
Walk
0.9%
Work from Home
6.1%
Other
2.2%

Based on 1,757 workers 16 and over.

Monthly Utility Costs

State-average estimates for Oklahoma - EIA 2023 residential energy data

Electricity
$115
avg/month
Natural Gas
$50
avg/month
Water & Sewer
$40
avg/month
Total Utilities
$205
estimated/month

Estimates reflect Oklahoma state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Oklahoma state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Spencer sits in

Cost of Living Index
87.8
Well Below Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,244/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
97.9 / 100
Very High
FEMA NRI composite score (county)

Similar Cities in Oklahoma

Madill
3,966 people
Nichols Hills
3,838 people
Fort Gibson
3,805 people
Stilwell
3,740 people
Slaughterville
4,214 people
Broken Bow
4,215 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Spencer's 3,942 residents (Census ACS 5-Year 2023).

Emigsville, PA
3,942 people
Coleman, TX
3,942 people
Mitchell, IN
3,941 people
Ely, NV
3,941 people
Highland Lakes, NJ
3,941 people
Cozad, NE
3,944 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Spencer's $57,550 (Census ACS 5-Year 2023, table B19013).

Nazareth, PA
$57,551 median income
Broad Creek, NC
$57,545 median income
Kerman, CA
$57,556 median income
Champaign, IL
$57,544 median income
Susquehanna Depot, PA
$57,560 median income
Litchfield, MN
$57,539 median income

Race & Ethnicity Composition

Race and ethnicity - Spencer, OK Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Spencer, OK - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 32.8% 49.1% 10.0% ETHNICITY, Hispanic or Latino (any race) 15.4% White 32.8% Black or African American 49.1% Asian 1.4% American Indian 1.2% Native Hawaiian 0.0% Some other race 5.5% Two or more races 10.0% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Spencer compares to nearby Oklahoma cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Spencer (this city) 3,942 $57,550
Madill 3,966 $47,022
Nichols Hills 3,838 $203,750
Fort Gibson 3,805 $69,632
Census ACS 5-year FIPS OK FBI UCR NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Spencer, OK?

What is the population of Spencer, OK? +

Spencer, OK counts 3,942 residents according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Spencer, OK? +

Median annual household income in Spencer runs $57,550, based on Census ACS 2023 data.

What is the cost of living in Spencer? +

BEA does not publish a city-level cost-of-living figure for Spencer; the closest available measure is the Oklahoma state average, a cost of living index of 87.8 (U.S. average = 100), rated "Well Below Average" based on BEA Regional Price Parities 2024 data. Costs within Oklahoma vary by metro area.

Is Spencer, OK safe? +

Spencer has a total crime rate of 1891.2 per 100,000 residents, which is near the national average. This reflects incidents reported to the FBI UCR program, not a definitive safety score -- agency reporting is voluntary and completeness varies by jurisdiction.

What is the median home value in Spencer, OK? +

The median home value in Spencer is $119,000, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities Editorial

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.