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Housing in Spencer County
Both Census and HUD figures represent gross rent — contract rent plus estimated utility costs for electricity, heat, water, and sewer.
Rent in Spencer County averages $987/month for a 2‑bedroom in 2024, compared to the Kentucky median of $967 and the national median of $1,413. Local renters spend approximately 26% of household income on rent, below the national average of 32%.
HUD 2026 50th Percentile Rent Estimates for Spencer County FMR Area are $1,038 for a studio, $1,124 for 1‑bedroom, $1,366 for 2‑bedroom, $1,745 for 3‑bedroom, and $2,030 for 4‑bedroom.
HUD 2026 Rent Estimates reflect market movement since 2024 Census data — a $379 increase for a 2-bedroom in Spencer County shows a 38% rise over that period.
The U.S. Bureau of Labor Statistics annual unemployment rate for Spencer County was 4.6% in 2024, compared to Kentucky at 5.1% and the national rate of 4.0%.
