Median home value in zip code 24165 (Spencer, VA) is $164,078, down 4.1% year over year. Part of the Martinsville, VA metropolitan area.

Home Value$164,078

YoY Change

-4.1%

Prices falling — better for buyers.

Affordability

Enter your income for 24165 (Spencer).

Income (annual)

Down Payment

$32,816 on $164,078

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

Affordable17.2% of income

Under the 28% guideline.

PITI$1,075

P/I17.2%

Afford$267K

Room+$103K

P&I $830Tax $112Ins $133

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

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

Metro Analysis

24165 is part of the Martinsville, VA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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