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USDA Eligibility Boundaries for Spencer, Kentucky 
There are no geographical USDA loan restrictions in this county. 100% of Spencer County is eligible for rural development USDA home loans.
The United States Department of Agriculture has rated the natural amenities of this region. On a scale of one to seven, Spencer county is rated a 4. The average temperature during the month of June is 75.7℉ and the average temperature in January is 32.8℉. The typical humidity of this area is approximately 63% and the area covered by water is 3.07%. The overall influence score for Spencer is 6.
The map below displays geographic boundaries of Spencer, Kentucky with a blue border. There are no significant USDA regional restrictions in this county. For higher resolution imagery click the map to zoom in or search for specific postal (zip) codes, city names or even counties. You can also search for specific addresses using the power search feature here.
Select from the above list of cities in Spencer County. Cities most likely to have USDA loan eligible properties are highlighted in the drop down list. Alternatively, use the search form to find your favorite counties, cities and zip codes in Kentucky.
Spencer County, Kentucky is located in the western part of the state, just south of Louisville. It has a population of about 18,000 people and is largely rural. The median household income is around $50,000, slightly lower than the national average.
The majority of residents are White (94%), followed by African American (3%) and Hispanic (2%). The poverty rate is 13%, which is higher than the national average.
Living conditions in Spencer County are generally good. The county has an excellent school system and a variety of recreational activities available to its residents. There are also many job opportunities in the area, with major employers including Amazon and UPS.
The quality of life in Spencer County is generally high. Residents enjoy a peaceful atmosphere with plenty of outdoor activities such as hiking, camping, fishing, and hunting. There are also many local shops and restaurants to explore. Overall, Spencer County provides its residents with a safe and peaceful place to live.
Spencer, Kentucky
Loan officers and realtors can answer your questions about USDA home loan programs.
For direct assistance with Kentucky USDA program details you can also contact:
Kentucky USDA Rural Development State OfficeFeatured Property from USDA Loan Eligible Regions of Kentucky
771 Corporate Drive, Suite 200
Lexington, KY 40503
859-224-7300
State Director's Office -- 859-224-7300
Business-Cooperative Programs -- 859-224-7435
Community Facilities -- 859-224-7336
Multi-Family Housing -- 859-224-7357
Single-Family Housing -- 859-224-7322
Public Affairs -- 859-224-7695
