Median home value in zip code 14883 (Spencer, NY) is $202,449, up 6.2% year over year. Part of the Binghamton, NY metropolitan area.

Home Value$202,449

YoY Change

+6.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 14883 (Spencer).

Income (annual)

Down Payment

$40,490 on $202,449

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

Affordable23.4% of income

Under the 28% guideline.

PITI$1,464

P/I23.4%

Afford$242K

Room+$40K

P&I $1,024Tax $290Ins $150

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

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

Metro Analysis

14883 is part of the Binghamton, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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