The median home in Spencer, Tennessee is valued at $206,916, down 2.9% year over year.
Home Value$206,916
-2.9%
AFFORDABILITY6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.
Enter your income for Spencer.
$41,383 on $206,916
Affordable — 21.4% of income
Under the 28% guideline.
PITI$1,335
P/I21.4%
Afford$271K
Room+$64K
P&I $1,046Tax $122Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Tennessee
Compare Spencer with other housing markets across Tennessee.