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Spencer, ID Utility & Living Guide
Spencer is an incorporated hamlet in Clark County, Idaho, United States. It serves as the base for the state's opal mine and is called the "Opal Capital of America": the mine proper is located 5–6 miles outside of town. The population was 31 at the 2020 census.
Monthly Utility Costs
$130/mo
—
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $2000/mo |
| Median Home Price | $280,000 |
| Property Tax Rate | 1.1% |
| Avg Childcare/mo | $900 |
The housing market in Spencer is relatively affordable, with a mix of older and newer homes available. However, the town’s small size means that inventory can be limited, and prices may vary depending on the location and condition of the property. Overall, Spencer offers a range of housing options for those looking to relocate to the area.
Cost of Living
105
+5% above national average
102
98
100
$900
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 6% |
| Property Tax Rate | 1.1% |
| <p>State 4% + County 1% + City 1%</p> | |
Idaho has a state income tax rate of 6.925%, with a progressive tax system and several deductions and credits available.
Family & Relocation
60
7/10
$900/mo
City Pulse
Spencer has limited public transportation options, but the town is relatively small and walkable, making it accessible for families with strollers.
- Spencer City Park
- Clark County Fairgrounds
- Beaverhead-Deerlodge National Forest
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Spencer based on your household profile.
📰 Live Local News
Spencer has regulations in place regarding zoning, building permits, and environmental protection, and residents are encouraged to check with the town government for specific information.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Spencer — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
In Spencer, utility costs tend to fluctuate with the seasons, with higher electricity bills in the summer due to air conditioning usage and higher heating bills in the winter. However, the town's relatively mild climate means that these fluctuations are not as extreme as in other parts of the country.
🏛️ Local Tax Details
The ZIP code 83446 has a property tax millage rate of 1.2%, with no local surtaxes specific to Clark County.
👶 Family & Stroller Friendliness
Score 6/10: Spencer has some sidewalks and parks, but the town's rural nature means that there are limited amenities and infrastructure for families with strollers, and elevator access in transit is not always available.
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