Heavy even-even nuclei exhibit low-energy collective excitations that are separated in scale from the microscopic (fermion) degrees of freedom. This separation of scale allows us to approach nuclear vibrations within an effective field theory (EFT). In odd-mass nuclei collective and single-particle properties compete at low energies, and this makes their description more challenging. In this article we describe spherical odd-mass nuclei with ground-state spin I = 1 /2 by means of an EFT that couples a fermion to the collective degrees of freedom of an even-even core. The EFT relates observables such as energy levels, electric quadrupole transition strengths, and magnetic dipole moments of the odd-mass nucleus to those of its even-even neighbor, and allows us to quantify theoretical uncertainties. For isotopes of rhodium and silver the theoretical description is consistent with data within experimental and theoretical uncertainties. Several testable predictions are made.