| Index | Spencer | North Carolina | National |
| Cost of living | 88 | 94 | 100 |
| Goods & Services | 91 | 98 | 100 |
| Groceries | 97 | 98 | 100 |
| Health care | 95 | 108 | 100 |
| Housing | 71 | 85 | 100 |
| Transportation | 101 | 92 | 100 |
| Utilities | 101 | 94 | 100 |
| Cost of living index | |
| Goods & Services index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $60,667 | $5,056 | $1,415 | $1,820 |
| Renters | $0 | $0 | $0 | $0 |
| State | General Sales Tax | With Max Surtax |
| North Carolina | 4.75% | 7.5% |
| State | Income Tax (Low) | Income Tax (High) |
| North Carolina | 4.75% | 4.75% |
| Item | Spencer | National avg. | Difference |
| Haircut | $30.02 | $24.26 | 23.7% |
| Beauty Salon | $39.60 | $45.56 | 13.1% |
| Toothpaste | $3.75 | $3.70 | 1.3% |
| Shampoo | $1.34 | $1.28 | 4.6% |
| Movie | $13.67 | $12.13 | 12.6% |
| Bowling | $18.63 | $18.00 | 3.5% |
| Item | Spencer | National avg. | Difference |
| Ground Beef | $6.12 | $5.84 | 4.7% |
| Fried Chicken | $1.55 | $1.57 | 1.5% |
| Milk | $4.66 | $4.67 | 0.3% |
| Potatoes | $5.30 | $4.93 | 7.3% |
| Pizza | $11.64 | $12.09 | 3.7% |
| Beer | $10.31 | $10.41 | 0.9% |
| Item | Spencer | National avg. | Difference |
| Optometrist | $131.75 | $125.68 | 4.8% |
| Doctor | $157.27 | $135.78 | 15.8% |
| Dentist | $130.26 | $113.29 | 15.0% |
| Ibuprofen | $10.78 | $10.65 | 1.2% |
| Lipitor | $483.22 | $468.60 | 3.1% |
| Item | Spencer | National avg. | Difference |
| Home Price | $112,300.00 | $184,700.00 | 39.2% |
| Avg. Mortgage Payment | $2,004.78 | $2,346.69 | 14.6% |
| Apartment Rent | $889.00 | $949.00 | 6.3% |
| Item | Spencer | National avg. | Difference |
| Gasoline | $3.19 | $3.46 | 7.7% |
| Tire Balancing | $57.92 | $59.92 | 3.3% |
| Item | Spencer | National avg. | Difference |
| All Electricity | $160.96 | $193.99 | 17.0% |
| Phone | $187.97 | $192.25 | 2.2% |
| City | Population | Cost of Living Index | National Avg. |
| East Spencer, NC | 1,382 | 80 | 19.7% |
| Lexington, NC | 18,970 | 85 | 14.9% |
| Cooleemee, NC | 1,028 | 86 | 13.7% |
| Southmont, NC | 1,165 | 87 | 13.1% |
| Enochville, NC | 3,358 | 87 | 12.5% |
| Spencer, NC | 3,227 | 88 | 12.1% |
| City | Population | Cost of Living Index | National Avg. |
| Rural Hall, NC | 3,227 | 95 | 5.4% |
| North Lakeville, MA | 3,226 | 131 | 31.1% |
| Monmouth Beach, NJ | 3,226 | 197 | 97.4% |
| Big Lake, TX | 3,226 | 90 | 10.3% |
| Division No. 19, Unorganized, MB | 3,226 | n/a | |
| Spencer, NC | 3,227 | 88 | 12.1% |
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