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CITY

Spencer

Tennessee · 1,636 residents (2025 est.) · 6.555 sq mi
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The short version

Spencer has notably lower household income than the US average, with a median household income of $46,705. Population has declined 12% since 2000. 11% of adults hold a bachelor's degree or higher, below the national rate of 36%. Median home value has roughly tripled since 2000, reaching $150,800. With a median age of 51.9, the population is older than the US median of 38.9. Households here earn about 33% less than the Tennessee median.

At a glance
Lower income
below the US median
US median: $82,259
Older
median age 51.9
US median: 38.9
Less educated
11% hold a bachelor's degree
US average: 36%
Less affordable
home values up 61%, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
1,511
−12%since 2000
from 1,713 in 2000
1990 – 2025
Population density
231 / sq mi
−12%since 2000
from 261 / sq mi in 2000
US average: 281
Median age
51.9
+30%since 2000
from 39.8 in 2000
US average: 38.9

PEP 2025 EST:1,636 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
1K1K2K2K2K1990201020202024Spencer
20242K
1990201020202024
Section 02

Income & economy

Median household income
$46,705
Unchangedinflation adjusted, since 2000
from $25,583 in 2000
US average: $82,259
1990 – 2024
Per capita income
$25,361
+87%since 2000
from $13,529 in 2000
US average: $44,673
Households earning $100K+
22.5%
+14.6 ptssince 2009
from 7.9% in 2009
US average: 53.3%
Poverty rate
8.8%
−15.1 ptssince 2000
from 23.9% in 2000
US average: 12.5%
Income inequality (Gini)
0.385
−32%since 2010
from 0.562 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade22.7%
US avg: 9.9%
Information10.2%
US avg: 10.8%
Wholesale trade9.8%
US avg: 6.9%
Other services7.5%
US avg: 6.7%
Public administration6.4%
US avg: 4.8%
Agriculture, forestry, fishing2.9%
US avg: 1.6%
Construction2.9%
US avg: 1.2%
Finance & insurance1.8%
US avg: 5.9%
Education & health services1.3%
US avg: 0.9%
Transportation & warehousing0.5%
US avg: 2.2%
Professional, scientific, technical0.5%
US avg: 5.1%
Manufacturing0%
US avg: 0.4%
Arts, entertainment, food0%
US avg: 1.9%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$150,800
+61%inflation adjusted, since 2000
from $51,300 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$575
+1%inflation adjusted, since 2000
from $313 in 2000
US average: $1,442
Owner-occupied
73.9%
−4.3 ptssince 2000
from 78.2% in 2000
26.1% rent
Vacancy rate
9.7%
−3.3 ptssince 2009
from 13.1% in 2009
US average: 10.0%
Owner cost-burdened
15.4%
−7.4 ptssince 2009
from 22.8% in 2009
US average: 22.9%
Renter cost-burdened
23.3%
−13.6 ptssince 2009
from 36.8% in 2009
US average: 47.4%
Afford Score
3.2
+61%since 2000
from 2.0 in 2000
1990 – 2024
Gentrification Score
73
RELATED:See current rent listings in Spencer on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic98.8%(1,692)
Black0.2%(4)
Hispanic / Latino0.2%(4)
Asian0.1%(1)
Other0%
Diversity Score1.3%(23)
2024
White, non-Hispanic92%(1,390)
Black0.4%(6)
Hispanic / Latino2.5%(38)
Asian0%(0)
Other5.1%(77)
Diversity Score18.8%(284)
Diversity Score
19
+1328%since 2000
from 1 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
11.3%
+4.0 ptssince 2000
from 7.3% in 2000
US average: 35.6%
High school or higher
83.4%
+23.0 ptssince 2000
from 60.4% in 2000
US average: 89.6%
Graduate degree
4.7%
+1.3 ptssince 2000
from 3.4% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
25.4 min
+66%since 2000
from 15.2 min in 2000
US average: 26.5
Drive alone to work
75.7%
−21.4 ptssince 2009
from 97.1% in 2009
US average: 68.9%
Carpooled to work
16.9%
+15.0 ptssince 2009
from 1.9% in 2009
US average: 8.5%
Public transit
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 3.2%
Worked from home
7.4%
+6.4 ptssince 2009
from 1.0% in 2009
US average: 15.0%
Walked to work
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 2.4%
Biked to work
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 0.4%
No vehicle available
2.9%
−3.2 ptssince 2009
from 6.1% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
0.5%
−12.1 ptssince 2011
from 12.6% in 2011
US average: 5.2%
Labor force participation
47.9%
−1.8 ptssince 2011
from 49.7% in 2011
US average: 63.5%
Self-employed
17.8%
+0.5 ptssince 2009
from 17.2% in 2009
US average: 13.1%
Management & professional
18.4%
−31.2 ptssince 2009
from 49.6% in 2009
US average: 42.5%
Section 08

People & community

Male
43.9%
−6.6 ptssince 2009
from 50.5% in 2009
Female
56.1%
+6.6 ptssince 2009
from 49.5% in 2009
Foreign born
1.4%
+1.4 ptssince 2009
from 0.0% in 2009
US average: 14.1%
Veterans
4.9%
−43.3 ptssince 2009
from 48.2% in 2009
US average: 6.2%
With a disability
23.7%
+7.1 ptssince 2012
from 16.6% in 2012
US average: 13.3%
Uninsured
5.5%
−71.3 ptssince 2013
from 76.8% in 2013
US average: 8.4%
Broadband at home
88.3%
+25.9 ptssince 2017
from 62.4% in 2017
US average: 91.0%
English only at home
97.4%
−2.5 ptssince 2016
from 99.9% in 2016
US average: 77.7%
Spanish at home
2.2%
+2.2 ptssince 2016
from 0.0% in 2016
US average: 13.6%
Drill deeper

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Compare Spencer to nearby cities

SPENCER VS
McMinnville
Income$47,179+1%
Home value$182,200+21%
Population13,943+752%
SEE FULL COMPARISON →
SPENCER VS
Crossville
Income$48,802+4%
Home value$246,300+63%
Population13,113+702%
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SPENCER VS
Cookeville
Income$51,375+10%
Home value$305,400+103%
Population38,212+2236%
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SPENCER VS
Soddy-Daisy
Income$75,113+61%
Home value$256,600+70%
Population13,474+724%
SEE FULL COMPARISON →
Frequently asked

How many people live in Spencer, Tennessee?

Spencer, Tennessee has about 1,511 residents according to the 2024 American Community Survey.

What is the median household income in Spencer, Tennessee?

The typical household in Spencer, Tennessee earns about $46,705 a year. Half of households make more than that, and half make less.

Is Spencer, Tennessee expensive?

In Spencer, Tennessee, the median home is worth about $150,800, and the typical rent is about $575 a month.

How educated are people in Spencer, Tennessee?

About 11.3% of adults age 25 and over in Spencer, Tennessee hold a bachelor's degree or higher.

What is the poverty rate in Spencer, Tennessee?

About 8.8% of people in Spencer, Tennessee live below the federal poverty line.

Has Spencer, Tennessee grown since 1990?

Yes, Spencer, Tennessee has grown since 1990. The population has added about 386 residents, a change of about 34 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · UPDATED 2024

How we source and harmonize this data →