County profile · Kentucky
Spencer County, KY market data
Population, household spending and competition for 56 business types in Spencer County, each scored against other counties.
- Population, 2025
- 20,998
- +7.7% since 2020
- Households
- 7,308
- Median household income
- $102,618
- +28.0% vs. 2015–2019, before inflation
- Median home value
- $330,000
- Jobs located here
- 2,108
- Highest market score
- 96
- Auto repair shops, #3 of 2,378 scored counties
A site report maps the competitors on map listings around any address in Spencer County by name and distance, and the households and spending within reach. Or open the report at the center of Spencer County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
An estimated 20,998 people live in Spencer County, in 7,308 households. Between 2020 and 2025, the population of Spencer County grew 7.7%, faster than the U.S. (+3.1%). The median household income in Spencer County is $102,618 a year, 27% above the U.S. median of $80,734. That rose 28.0% from the 2015–2019 survey, before inflation.
Set against the U.S., households in Spencer County spend the most on vehicle insurance (an index of 178, where 100 is the U.S. average) and the least on memberships, classes and admissions (91).
The highest Groundwork market scores in Spencer County are for auto repair shops (96), auto repair and car care businesses (95) and sit-down restaurants (95). Spencer County ranks #3 of 2,378 scored counties for auto repair shops.
Spencer County is part of the Louisville/Jefferson County metro area. For its number of households, Spencer County has the most map listings, relative to the U.S., for pet businesses (32% above the U.S. rate) and the fewest for salons, barbers and spas (68% below the U.S. rate).
All 56 business types in Spencer County
Highest Groundwork market score first. Each score compares Spencer County with other counties for that business type, from 0 to 100. Spending per listing divides a whole spending line (all vehicle repairs, all eating out) by one type’s listings: the demand for each competitor, not a business’s revenue. Compare it across markets with its index, where 100 is the U.S. figure for the same type; the real estate types, whose line is all housing costs, show the index only. How the score works.
| Business type | Score | Rank among counties | Listings | Per 10k households | Spending per listing | Spending per listing vs. U.S. (100) | Official establishments |
|---|---|---|---|---|---|---|---|
| Auto repair shops | 96 | #3 of 2,378 | 10 | 13.7 | $957K | 215 | 3 |
| Auto repair and car care | 95 | #2 of 2,401 | 17 | 23.3 | $563K | 210 | 5 |
| Sit-down restaurants | 95 | #4 of 2,405 | 18 | 24.6 | $1.8M | 265 | 5 |
| Restaurants and cafes | 94 | #5 of 2,405 | 31 | 42.4 | $1M | 275 | 15 |
| Fast food and sandwich shops | 90 | #16 of 2,222 | 8 | 10.9 | $4M | 130 | 5 |
| Gas stations | 89 | #38 of 2,358 | 9 | 12.3 | $3.3M | 140 | 6 |
| Doctors, dentists and clinics | 85 | #37 of 2,394 | 21 | 28.7 | $433K | 284 | 6 |
| Pizza | 85 | #44 of 2,090 | 6 | 8.2 | $5.3M | 104 | 5 |
| Grocery and convenience stores | 85 | #104 of 2,402 | 13 | 17.8 | $3.7M | 109 | 3 |
| Insurance agencies | 84 | #136 of 2,272 | 6 | 8.2 | $4.2M | 338 | 7 |
| Salons, barbers and spas | 83 | #46 of 2,385 | 11 | 15.1 | $672K | 316 | 5 |
| Real estate | 80 | #28 of 2,229 | 12 | 16.4 | Index only | 233 | 5 |
| Hair salons | 79 | #85 of 2,339 | 7 | 9.6 | $1.1M | 246 | 4 |
| Pet businesses | 77 | #130 of 2,200 | 10 | 13.7 | $760K | 87 | Under 3 |
| Real estate agents and brokers | 75 | #87 of 2,176 | 10 | 13.7 | Index only | 222 | 5 |
| Gyms, studios and classes | 74 | #169 of 2,088 | 9 | 12.3 | $724K | 109 | Under 3 |
| Dentists and orthodontists | 65 | #425 of 1,886 | 7 | 9.6 | $1.3M | 132 | Under 3 |
| Grocery stores | 63 | #606 of 2,070 | 7 | 9.6 | $6.8M | 74 | Under 3 |
| Lawn, cleaning and pest control | 57 | #621 of 1,771 | 9 | 12.3 | $1.3M | 79 | 12 |
| Pet grooming and boarding | 48 | #799 of 1,461 | 8 | 10.9 | $950K | 37 | Under 3 |
| Landscaping and lawn care | 46 | #843 of 1,493 | 7 | 9.6 | $1.7M | 58 | 12 |
| Child care and preschools | Not scored | Not scored | 4 | 5.5 | $1M | 102 | Under 3 |
| Convenience stores | Not scored | Not scored | 4 | 5.5 | $12M | 152 | Under 3 |
| Gyms | Not scored | Not scored | 4 | 5.5 | $1.6M | 125 | Under 3 |
| Home repair trades | Not scored | Not scored | 4 | 5.5 | $5.8M | 239 | 13 |
| Martial arts and dance studios | Not scored | Not scored | 4 | 5.5 | $1.6M | 81 | Under 3 |
| Clothing, shoes and laundry | Not scored | Not scored | 3 | 4.1 | $5.1M | 584 | Under 3 |
| Coffee shops and cafes | Not scored | Not scored | 3 | 4.1 | $10.6M | 285 | 5 |
| Collision repair and body shops | Not scored | Not scored | 3 | 4.1 | $3.2M | 103 | 3 |
| Barbershops | Not scored | Not scored | 2 | 2.7 | $3.7M | Too few | Under 3 |
| Electricians | Not scored | Not scored | 2 | 2.7 | $11.6M | Too few | 7 |
| Funeral homes | Not scored | Not scored | 2 | 2.7 | $470K | Too few | Under 3 |
| HVAC and plumbing | Not scored | Not scored | 2 | 2.7 | $11.6M | Too few | 6 |
| Nail salons | Not scored | Not scored | 2 | 2.7 | $3.7M | Too few | Under 3 |
| Physical therapy | Not scored | Not scored | 2 | 2.7 | $4.5M | Too few | Under 3 |
| Primary care and pediatrics | Not scored | Not scored | 2 | 2.7 | $4.5M | Too few | 6 |
| Veterinarians | Not scored | Not scored | 2 | 2.7 | $3.8M | Too few | Under 3 |
| Car washes and detailing | Not scored | Not scored | 1 | 1.4 | $9.6M | Too few | Under 3 |
| Chiropractors | Not scored | Not scored | 1 | 1.4 | $9.1M | Too few | Under 3 |
| Clothing and shoe stores | Not scored | Not scored | 1 | 1.4 | $15.4M | Too few | Under 3 |
| House cleaning | Not scored | Not scored | 1 | 1.4 | $12M | Too few | Under 3 |
| Laundromats | Not scored | Not scored | 1 | 1.4 | $15.4M | Too few | Under 3 |
| Mortgage brokers and lenders | Not scored | Not scored | 1 | 1.4 | Index only | Too few | Under 3 |
| Pest control | Not scored | Not scored | 1 | 1.4 | $12M | Too few | Under 3 |
| Property management | Not scored | Not scored | 1 | 1.4 | Index only | Too few | Under 3 |
| Tire shops | Not scored | Not scored | 1 | 1.4 | $9.6M | Too few | Under 3 |
| Yoga, Pilates and fitness studios | Not scored | Not scored | 1 | 1.4 | $6.5M | Too few | Under 3 |
| Bakeries and dessert shops | Not scored | Not scored | 0 | 0.0 | None listed | None listed | 5 |
| Dry cleaners | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Home inspectors | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Oil change and quick lube | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Optometrists and eye care | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Pet stores | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Roofing and gutters | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Spas and skin care | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
| Urgent care and walk-in clinics | Not scored | Not scored | 0 | 0.0 | None listed | None listed | Under 3 |
Household spending in Spencer County
What households here spend in a year on each line, in total and per household, with the index against the U.S. average (100).
| Spending line | A year, all households | Per household | Index vs. U.S. (100) |
|---|---|---|---|
| Vehicle maintenance and repairs | $9.6M | $1,309 | 137 |
| Gasoline and other fuels | $30.1M | $4,115 | 159 |
| Food away from home | $31.7M | $4,332 | 106 |
| Groceries | $47.8M | $6,546 | 104 |
| Personal care products and services | $7.4M | $1,012 | 101 |
| Child care and other personal services | $4.1M | $561 | 97 |
| Memberships, classes and admissions | $6.5M | $892 | 91 |
| Medical and dental services | $9.1M | $1,244 | 97 |
| Pets | $7.6M | $1,040 | 114 |
| Clothing, shoes and related services | $15.4M | $2,112 | 103 |
| Vehicle insurance | $25.5M | $3,487 | 178 |
| Home repairs, maintenance and insurance | $23.2M | $3,174 | 105 |
| Lawn care, cleaning and other household services | $12M | $1,640 | 116 |
| Rent and homeowner costs | $121M | $16,555 | 99 |
Household spending is estimated from the incomes of the households in each neighborhood, using what households at each income spent nationally in 2024, adjusted for the region. It counts what residents spend, wherever they spend it.
Population and households in Spencer County
- Population, 2025 estimate
- 20,998+7.7% since 2020
- Households
- 7,308
- Median age
- 42.2
- Homes lived in by their owners
- 88%
- Vehicles per household
- 2.5
- Land area
- 187 sq. mi.
- People per square mile
- 108
- Median household income
- $102,618+28.0% vs. 2015–2019, before inflation
- Average household income
- $116,525
- Median home value
- $330,000
- Jobs located here
- 2,108
- Daytime population
- 12,250Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Spencer County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the competitors on map listings by name and distance, for any of the 56 business types.
Or open the report at the center of Spencer County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardRelated markets
Nearest counties in Kentucky 8
- Shelby County, KY49,096 people
- Bullitt County, KY84,027 people
- Nelson County, KY47,606 people
- Jefferson County, KY783,022 people
- Oldham County, KY69,257 people
- Anderson County, KY24,353 people
- Washington County, KY12,140 people
- Henry County, KY15,856 people
Questions
How fast is Spencer County, KY growing?
Population estimates put Spencer County at 20,998 people in 2025, up 7.7% since 2020, faster than the U.S. (+3.1%). It has 7,308 households. Against the 2015–2019 survey, median household income rose 28.0%, before inflation.
How much do households in Spencer County, KY spend?
Households in Spencer County spend about $121M a year on rent and homeowner costs, $47.8M on groceries and $31.7M on food away from home. Relative to the U.S., household spending in Spencer County runs highest on vehicle insurance (an index of 178, where 100 is the U.S. average) and lowest on memberships, classes and admissions (91).
Which business types have the highest market scores in Spencer County, KY?
Of the business types scored in Spencer County, auto repair shops (96), auto repair and car care businesses (95) and sit-down restaurants (95) have the highest Groundwork market scores. For auto repair shops, that ranks #3 of 2,378 scored counties.
How does Spencer County, KY compare with the U.S.?
Median household income in Spencer County is $102,618, 27% above the U.S. median of $80,734. The population rose 7.7% from 2020 to 2025, against +3.1% for the U.S. The median home value is $330,000, against $332,700 for the U.S. Against the U.S., map listings per household run highest for pet businesses (32% above the U.S. rate) and lowest for salons, barbers and spas (68% below the U.S. rate).
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. 21 of the 56 business types have a score in Spencer County, each ranked against other counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Spencer County. It maps the competitors on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
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Screening a site or an acquisition in Spencer County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Spencer County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.