Cost of Living in Spencer, WI

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13%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
39%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Spencer Wisconsin National
Cost of living8796100
Groceries9799100
Health care9998100
Housing6189100
Transportation10098100
Utilities99101100
Lifestyle & Entertainment9798100
Household Items10099100
Education & Childcare9698100
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Homes For Sale In Spencer, WI

property for sale

207 W Clark St

Spencer, WI
property for sale

803 W Roberts St

Spencer, WI
property for sale

818 W Roberts St

Spencer, WI
property for sale

108 E Clark St

Spencer, WI

Cost Of Living Quick Facts

  • The cost of living in Spencer is 9% lower than the Wisconsin average
  • The cost of living in Spencer is 13% lower than the national average
  • Spencer housing is 39% lower than the national average
  • Wisconsin general sales tax is 2% lower than the national average
  • Wisconsin state income tax is 36% higher than the national average

Most Affordable Places to Live in and Around Spencer

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Compare Spencer, WI Cost of Living

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      Utilities index
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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$106,933$8,911$2,495$3,208
      Renters$49,225$4,102$1,149$1,477

      Wisconsin Sales Tax

      State General Sales Tax With Max Surtax
      Wisconsin 5% 6.75%

      Wisconsin Income Tax

      State Income Tax (Low) Income Tax (High)
      Wisconsin 3.54% 7.65%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Owen, WI9828316.7%
      Withee, WI4638415.6%
      Curtiss, WI2718416.4%
      Arpin, WI3318416.3%
      Greenwood, WI9758515.3%
      Spencer, WI1,7538712.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Randolph, ME1,753946.4%
      Shreve, OH1,7538515.2%
      Barview, OR1,7531033.0%
      Lamar, AR1,7528118.6%
      Lacoochee, FL1,7548614.3%
      Spencer, WI1,7538712.8%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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