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ZIP Code 47634

Spencer, Indiana

FIPS 47634

Juniper

ZIP Code 47634 is in the top 23% nationally for price-to-income ratio, but in the bottom 35% nationally for FEMA risk score. It also sits in the 29th percentile nationally for median home value.

Median Home Value

$137,600

Lower than 71% of U.S. ZIP codes

HPI Growth 5yr %

38%

Higher than 60% of U.S. ZIP codes

FEMA Risk Score

76.4

Higher than 65% of U.S. ZIP codes

The basics

Total Population

2,272

Median Age

42.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$137,600

Lower than 71%

Median Property Tax

$1,212

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

1.94

Lower than 77%

Median Rent

$889

Near median

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

38%

Higher than 60%

Appreciation 1yr %

-11%

Higher than 56%

Pandemic Gain %

30%

Recession Drop %

-10%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

87.5

Winter Avg Low (°F)

27.7

Avg Temperature (°F)

57.3

Hot Days/yr (>90°F)

41.4

Freezing Days/yr (<32°F)

89.7

Annual Precipitation (in)

51.2

Annual Snowfall (in)

11.3

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

76.4

Higher than 65%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 47634: frequently asked questions

What is the median home value in ZIP Code 47634?
The median home value in ZIP Code 47634 is $137,600, lower than 71% of U.S. ZIP codes.
How much is property tax in ZIP Code 47634?
The median annual property tax in ZIP Code 47634 is $1,212, an effective rate of 1% of home value.
Is ZIP Code 47634 expensive to live in?
Homes in ZIP Code 47634 cost about 1.94× the median household income, lower than 77% of U.S. ZIP codes.
What is the average rent in ZIP Code 47634?
The median gross rent in ZIP Code 47634 is $889 a month, near the U.S. ZIP codes median.
How much have home prices grown in ZIP Code 47634?
Home prices in ZIP Code 47634 have moved 38% over the past five years (-11% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 47634?
ZIP Code 47634 averages 57.3°F year-round, summer highs near 87.5°F, winter lows around 27.7°F (NOAA 1991–2020 normals). It sees about 11.3 inches of snow a year.
Is ZIP Code 47634 at risk of flooding or natural disasters?
ZIP Code 47634's FEMA National Risk Index score is 76.4 (higher than 65% of U.S. ZIP codes). Its greatest modeled natural hazard is earthquake.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →