Spencer, NC

The affordability dashboard for Spencer, NC aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 3,108 residents, then layers in county-level federal data to produce an overall grade of C (56/100). The headline inputs are median household income of $63,036, median home value of $200,300, median rent of $932 per month, and 26.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,196 per month (studio $952, 1BR $958, 3BR $1,573, 4BR $2,006). Department of Labor data lists infant center-based childcare at $10,352 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Unemployment currently reads 7.5% and poverty 12.6% — numbers worth keeping alongside the headline grade.