The median home in Spencer, Virginia is valued at $142,359, down 10.9% year over year. Spencer is part of the Martinsville, VA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: Martinsville, VA stress score, crash risk, and 12-month forecast →
Home Value$142,359
-10.9%
AFFORDABILITY6.50% 30yr, 20% down, county tax + VA ins. 28% per HUD.
Enter your income for Spencer.
$28,472 on $142,359
Affordable — 15.2% of income
Under the 28% guideline.
PITI$950
P/I15.2%
Afford$262K
Room+$120K
P&I $720Tax $97Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Martinsville, VA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Martinsville, VA metro.
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