The median home in Spencer, Massachusetts is valued at $421,251, up 0.6% year over year. Typical monthly rent is $2,200, producing a price-to-rent ratio of 16x — near the national average of 18x. Spencer is part of the Worcester, MA-CT metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$421,251

+0.6%

Rent$2,200/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Spencer.

Income (annual)

Down Payment

$84,250 on $421,251

Example: $75,000 household income. Change it above to see your own.

Out of reach43.2% of income

Need $115,757/yr to afford.

PITI$2,701

P/I43.2%

Afford$273K

Gap-$148K

P&I $2,130Tax $421Ins $150

Renting $501/mo cheaper ($2,200 rent)6.50% 30yr, 20% down, county tax + MA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Massachusetts

Compare Spencer with other housing markets across Massachusetts.

Nantucket$2.97M Chilmark$2.28M Weston$2.18M Wellesley$1.95M Edgartown$1.77M Aquinnah$1.73M Dover$1.72M West Tisbury$1.6M

Full Worcester, MA-CT analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Worcester, MA-CT metro.

View Worcester, MA-CT metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Spencer, MA