City

SPENCER, IN

Bloomington, IN

Median home value: $238K (+1.6% YoY). Part of Bloomington, IN.

Limited Data

Basic Zillow data only. For stress scores, AI analysis, and trends, Bloomington, IN metro page.

Home Value$237,758
+1.6%
AFFORDABILITY

Enter your income for Spencer.

$47,552 on $237,758
Affordable — 23.1% of income

Under the 28% guideline.

PITI$1,442
P/I23.1%
Afford$289K
Room+$51K
P&I $1,140Tax $168Ins $133
6.00% 30yr, 20% down, county tax + IN ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing