Spencerville, IN

The affordability dashboard for Spencerville, IN aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 3,260 residents, then layers in county-level federal data to produce an overall grade of B (72/100). The headline inputs are median household income of $101,553, median home value of $285,200, median rent of $1,799 per month, and 25.2% 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 $1,113 per month (studio $892, 1BR $916, 3BR $1,381, 4BR $1,512).

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. Strengths visible in the raw data for Spencerville, IN include income, housing, rent. Unemployment currently reads 8.1% and poverty 5.2% — numbers worth keeping alongside the headline grade.