Median home value: $197K (-6.0% YoY). Part of Charlotte-Concord-Gastonia, NC-SC.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Charlotte-Concord-Gastonia, NC-SC metro page.
Home Value$197,226
-6.0%
AFFORDABILITY6.00% 30yr, 20% down, county tax + NC ins. 28% per HUD.
Enter your income for Spencer.
$39,445 on $197,226
Affordable — 19.7% of income
Under the 28% guideline.
PITI$1,234
P/I19.7%
Afford$280K
Room+$82K
P&I $946Tax $138Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing