Spencer County, IN: Foreclosures, Tax Liens & Distressed Properties

Spencer County, IN, Indiana: 16 ZIP codes scored, Spencer County, IN averaging 18/100 (low, Spencer, IN), from 15 to 25. Spencer County, IN is in its expansion phase (Spencer, IN confidence 30/100): Spencer, IN home prices up 5.1% (Spencer, IN) over twelve months. Spencer County, IN lender headwind: 30/100.

Highest-scoring Spencer County, IN ZIPs: 47601 (25/100), 47637 (25/100), 47523 (21/100), 47537 (20/100), 47541 (18/100), 47577 (18/100). Also scored in Spencer County, IN: 47588, 47532, 47531, 47550, 47552, 47579, 47611, 47615, 47634, 47635.

Across Spencer County, IN's scored ZIPs: median home value $187,319, household income $74,498, 8.9% vacancy, 6.6% poverty, 85% owner-occupied, median age 44.4.

Spencer County, IN insurance distress 27/100 (#1,700 in the US); FEMA hazard 0/100 for Spencer, IN; 2 federal disaster declarations in Spencer County, IN since 2023; 7 Spencer, IN NFIP flood claims, $203K paid; Spencer, IN construction distress 28/100.

4 banks with 9 branches lend in Spencer County, IN; Spencer, IN weighted bank stress 53/100, highest 60/100 in Spencer, IN.

Spencer County, IN unemployment 3.1% (Spencer, IN -0.6 pts, six months); 86 new housing units permitted in Spencer County, IN over twelve months, Spencer, IN up 25% from 69; Spencer, IN home prices +9.4% a year (Spencer, IN) over three years.

8,727 housing units in Spencer County, IN; 1,497 Spencer, IN renter households; 32% of Spencer, IN renters spend 30%+ of income on rent, 8% (Spencer, IN) half or more.

Spencer County, IN ranks #2,602 nationally on the opportunity index (Spencer, IN, among all ranked counties); Spencer, IN scores 25.4/100 and Spencer, IN sits #79 inside Indiana. Spencer, IN is in the weak opportunity phase; Spencer, IN's primary driver is bank institutional, Spencer, IN second driver vacancy; Spencer, IN moved up 300 places. 5 short-sale listings across Spencer, IN; 40 days on market observed in Spencer, IN; 8.6% vacancy over 16 Spencer, IN ZIPs.

No CFPB county sample covers Spencer County, IN. The non-metro area reading for Spencer, IN: 1.0% ninety-plus days late; Spencer, IN's thirty-to-eighty-nine share is 3.1% (Spencer, IN, December 2025 data); Indiana overall 1.0%.

Spencer County, IN has 4 watched banks; 4 Spencer, IN banks sit in an elevated band. Spencer, IN footprints: Spencer County Bank (5 branches, stress 60) in Spencer, IN; Freedom Bank (2 branches, stress 39) in Spencer, IN; Old National Bank (1 branch, stress 58) in Spencer, IN.

649 of the 8,727 housing units in Spencer, IN sit vacant. Spencer County, IN permitted 0 multifamily units in twelve months; Spencer, IN's one-to-four unit structures added 86 units in Spencer County, IN.