City

SPENCER, OK

Oklahoma City, OK

Median home value: $141K (-2.8% YoY). Part of Oklahoma City, OK.

Limited Data

Basic Zillow data only. For stress scores, AI analysis, and trends, Oklahoma City, OK metro page.

Home Value$140,815
-2.8%
AFFORDABILITY

Enter your income for Spencer.

$28,163 on $140,815
Affordable — 16.5% of income

Under the 28% guideline.

PITI$1,031
P/I16.5%
Afford$239K
Room+$98K
P&I $675Tax $106Ins $250
6.00% 30yr, 20% down, county tax + OK ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Spencer Housing Market | CrashWatch