The median home in Spearman, Texas is valued at $121,807, down 3.9% year over year. Spearman is part of the Borger, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$121,807

-3.9%

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$24,361 on $121,807

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

Affordable16.8% of income

Under the 28% guideline.

PITI$1,049

P/I16.8%

Afford$203K

Room+$81K

P&I $616Tax $183Ins $250

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

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

Other cities in Texas

Compare Spearman with other housing markets across Texas.

Westlake$3.07M Highland Park$2.85M Westover Hills$2.59M University Park$2.38M Rollingwood$2.25M West Lake Hills$1.99M Bartonville$1.36M Southlake$1.26M

Full Borger, TX analysis

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

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Spearman, TX