Best PlacesSpencerville, IN Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Spencerville, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
Spencerville ranks 8,528th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on heat safety by a wide margin, and noise is the weak spot.
The best neighborhoods in Spencerville
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Spencerville's strengths and weaknesses
Where Spencerville ranks high
- Heat safetyBetter than 96% of towns
- Cheap car insuranceBetter than 91% of towns
- Cost of living vs incomeBetter than 86% of towns
- Household income$100,144 median, better than 85% of towns
- School gradeA−, better than 84% of towns
Where Spencerville ranks low
- QuietBetter than only 14% of towns
- Low income/sales/gas taxBetter than only 18% of towns
- Air qualityBetter than only 28% of towns
- Tree shadeBetter than only 32% of towns
- Cheap childcare$879 a month, better than only 39% of towns
What it costs to buy a home in Spencerville
A household needs to earn about $84,000 a year to comfortably buy the median Spencerville home, at 20% down and today's 30-year rate. That is below the area's own median income of $100,144, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Spencerville's effective rate of 0.65%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Spencerville
Spencerville runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Spencerville.
Who works in Spencerville, and how
Work in Spencerville centers on manufacturing and construction. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 87%
- Work from home 6%
- Transit, walk, or bike 8%
Life in Spencerville
The map and measures below break down dining, culture, and green space by neighborhood across Spencerville.
What the weather is like in Spencerville, month by month
Spencerville sees roughly 78 pleasant days a year. July highs average about 84 degrees. January highs sit near 34, with lows near 22. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 34° | 28° | 22° |
| April | 59° | 48° | 39° |
| July | 84° | 73° | 64° |
| October | 64° | 53° | 45° |
Flying in and out of Spencerville
The nearest airport, Fort Wayne International, is about 24 miles away and is a small airport. The nearest major hub is Detroit Metro Wayne County, about 104 miles away.
The best schools in and around Spencerville
Schools across Spencerville average an A−, better than 84% of towns.
Top elementary schools
- Hicksville Elementary SchoolA+ · 76% proficient
- Cedarville Elementary SchoolA+ · 75% proficient
- Riverdale Elementary SchoolB · 48% proficient
Top middle schools
- Leo Elementary SchoolA · 66% proficient
- Dekalb Middle SchoolB− · 42% proficient
Top high schools
- Hicksville High SchoolA+ · 81% proficient
- Leo Junior/senior High SchoolA− · 59% proficient
- Dekalb High SchoolB+ · 52% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Spencerville school and its grade on SchoolGrade.
Spencerville measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Spencerville against the other 50,332 towns.
Common questions about living in Spencerville
Is Spencerville a good place to live?
Using BestNeighborhood's default rankings, Spencerville ranks 8,528th of 50,333 towns. It scores highest on heat safety, cheap car insurance, and what local pay buys, and lowest on noise and taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Spencerville expensive to live in?
The median home is worth $329,806. The overall cost of living runs about 11% below the national average. Set against a $100,144 median income, cost of living beats 86% of towns.
Is Spencerville safe?
Yes, Spencerville is safer than 56% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $296 per resident a year.
Compare Spencerville with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Spencerville. Scores are absolute rather than ranked, which means a 60 in Spencerville represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Spencerville detail on BestNeighborhood maps:
- Walk Grade for Spencerville: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Spencerville: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Spencerville: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Spencerville: carrier by carrier coverage behind the cell score.
Spencerville detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.