Spencerville, Ohio.
Typical home $202,366 (+6.6% in a year). Lima, OH metro.
Property tax and schools in Spencerville
Spencerville’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Spencerville is in Allen County, where its property tax is set. Its homes there are in the Spencerville Local school district. Check your own bill.
to buy the typical home at today's mortgage rate — +$601 (+131%) since Jan 2020.
- 1 year
- Up $12,486 +7%
- $189,880$202,366 since Sep 2025
- 5 years
- Up $48,104 +31%
- $154,262$202,366 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Spencerville$1,062
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Spencerville, OH rose 6.6% over the past year — faster than the nation's +1.2%.
Living in Spencerville, Allen County, Ohio
Spencerville is a village of 2,198 people in Allen County. Half its households earn more than $54,883 a year and half less, against $64,038 across Allen County; 15% of its people live below the poverty line. Unemployment in Allen County was 3.7% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Spencerville is a small village in Allen County, Ohio, where households earn less than the county as a whole and a larger share of residents live below the poverty line than most might expect. Few adults hold a four-year degree. Winters are cold, with January the coldest month and a fair amount of snow, while summers turn warm and the year brings plenty of rain and melted snow.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in professional and business services, and in shops. Among the largest workplaces in Spencerville are Spencerville Local Schools, Roselawn Manor, a skilled nursing facility, and FXI, which makes urethane foam products. Unemployment across Allen County is lower than it was a year ago, and the county has added a few more jobs. Almost no one works from home, and the typical commute is a moderate one.
Things to do. Fort Amanda State Park is a park a short drive away. A longer drive brings you to the Armstrong Air and Space Museum, and to Grand Lake St. Marys, a large reservoir with a state park beside it. The St. Marys River, one of several rivers in the area, is also a longer drive away.
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- 853households
- 14%of adults have a degree
- 15%below the poverty line
- 23 mintypical commute
- 1%work from home
What residents work in
Employed residents by industry, from the Census survey. Allen County had 50,015 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 19°; warmest in July, with highs near 84° and lows near 63°. About 18 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Lima Wwtp weather station, 12 miles away (NOAA).
Largest workplaces in Spencerville
- Spencerville Local SchoolsSchool district188FTE
- HCF ofSkilled nursing facilities74
- FXIUrethane foam products manufacturing50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 124 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- Winter weatherRelatively high
- Ice stormsRelatively moderate
- HailRelatively moderate
- TornadoesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Spencerville’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Allen County and the Lima, OH metro.
Spencerville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Spencerville$202,366
- Ohio$245,982
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Spencerville9
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Spencerville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Spencerville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.