Spencer is a suburb of the Central Coast region of New South Wales, Australia.

Spencer is part of the Central Coast Council local government area.

Spencer is bound by the Hawkesbury River to the south and west and Mangrove Creek to the east.

He was a mentor of Lord Nelson and oversaw many of the Royal Navy's victories over the French.

[3] The economy is rural, and farming and fishing are the area's main sources of income.