The median home in Spencer, Oklahoma is valued at $140,815, down 2.8% year over year. Spencer is part of the Oklahoma City, OK metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$140,815

-2.8%

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$28,163 on $140,815

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

Affordable17.1% of income

Under the 28% guideline.

PITI$1,068

P/I17.1%

Afford$231K

Room+$90K

P&I $712Tax $106Ins $250

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

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

Other cities in Oklahoma

Compare Spencer with other housing markets across Oklahoma.

Nichols Hills$941K Goldsby$408K Cleora$400K Cedar Valley$361K Afton$350K Edmond$348K Jenks$344K Jones$340K

Full Oklahoma City, OK analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Oklahoma City, OK metro.

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Spencer, OK