Spencer is located in Clay county Iowa with a geographic area of 10.9 square miles. The total population in Spencer is 11,038 with 47.5% male and 52.5% female. Children under age 5 represent 5.6% of the population, under age 18 equal 22.2% of the population and over age 65 is 21.6% of the population. The median household income is $45,224, per capita income is $29,129. There are a total of 5,186 housing units with 61.4% owner occupied. Education includes 32.8% of residents that are high school graduates and 27.4% with a bachelor's degree or higher. The average temperature in Spencer in the summer is 71 degrees, and in the winter 23 degrees.
