City

SPENCER, NE

The median home in Spencer, Nebraska is valued at $172,149, down 3.3% year over year.

Home Value$172,149
-3.3%
AFFORDABILITY

Enter your income for Spencer.

$34,430 on $172,149
Affordable — 20.8% of income

Under the 28% guideline.

PITI$1,302
P/I20.8%
Afford$231K
Room+$59K
P&I $870Tax $248Ins $183
6.50% 30yr, 20% down, county tax + NE ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Nebraska

Compare Spencer with other housing markets across Nebraska.