The median home in Spencerville, Ohio is valued at $187,393, up 7.7% year over year. Spencerville is part of the Lima, OH metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$187,393

+7.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Spencerville.

Income (annual)

Down Payment

$37,479 on $187,393

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

Affordable20.7% of income

Under the 28% guideline.

PITI$1,291

P/I20.7%

Afford$254K

Room+$67K

P&I $948Tax $244Ins $100

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

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

Other cities in Ohio

Compare Spencerville with other housing markets across Ohio.

Hunting Valley$1.6M The Village of Indian Hill$1.58M Bentleyville$820K Waite Hill$748K Kirtland Hills$741K Gates Mills$734K Marble Cliff$731K Terrace Park$726K

Full Lima, OH analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Lima, OH metro.

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Spencerville, OH