The median home in Spencer, North Carolina is valued at $197,226, down 6.0% year over year. Spencer is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$197,226

-6.0%

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$39,445 on $197,226

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

Affordable20.6% of income

Under the 28% guideline.

PITI$1,285

P/I20.6%

Afford$269K

Room+$71K

P&I $997Tax $138Ins $150

6.50% 30yr, 20% down, county tax + NC ins. 28% per HUD.

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

Other cities in North Carolina

Compare Spencer with other housing markets across North Carolina.

Wrightsville Beach$1.64M Bald Head Island$1.36M Cashiers$1.34M Marvin$1.23M Weddington$1.04M Highlands$1.02M Duck$978K Topsail Beach$927K

Full Charlotte-Concord-Gastonia, NC-SC analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Charlotte-Concord-Gastonia, NC-SC metro.

View Charlotte-Concord-Gastonia, NC-SC metro

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Spencer, NC