Spencer County, Kentucky Demographics 2026

Population Overview

Spencer County is located in Kentucky with a total population of 20,193. It is the 57th most populous county out of 120 in Kentucky. The county encompasses 2 Census-designated places.

Age Demographics

The median age in Spencer County is 42.9 years. This is 10% higher than the state median of 39.1 years.

Economy, Income & Housing

The median household income in Spencer County is $102,618. This is 61% higher than the state median of $63,726. It is also 27% higher than the national median of $80,734. The poverty rate stands at 9.8%. This is 39% lower than the state poverty rate of 16.1%. The unemployment rate is 5.0%. This is 2% higher than the state rate of 4.9%. The median home value is $330,000. Housing costs are 61% higher than the state median of $205,600. The home-value-to-income ratio is 3.2x. 87.9% of occupied housing units are owner-occupied. This homeownership rate is 29% higher than the state average of 68.3%.

Race & Ethnicity

Spencer County has a predominantly White (non-Hispanic) population, comprising 92.5% of all residents. Hispanic or Latino residents account for 2.7%. The Black or African American population (0.8%) is well below the state average of 7.5%. The Asian population (0.5%) is well below the state average of 1.6%.

Education

23.6% of residents aged 25 and older hold a bachelor's degree or higher. This is 14% lower than the state rate of 27.6%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 93.0%.

Data Sources & Methodology

All figures for Spencer County come from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates, with comparisons drawn against Kentucky and national averages from the same dataset. See our methodology page for how each metric is defined, or data.census.gov for official tables with margins of error.