Median home value in zip code 28159 (Spencer, NC) is $201K, down 5.6% year over year. Part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area.

Full stress scores, AI analysis, and 12-month forecast: Charlotte-Concord-Gastonia, NC-SC metro →

Home Value$200,797

YoY Change

-5.6%

AFFORDABILITY

Enter your income for 28159 (Spencer).

Income (annual)

Down Payment

$40,159 on $200,797

Affordable — 21.5% of income

Under the 28% guideline.

PITI$1,341

P/I21.5%

Afford$262K

Room+$61K

P&I $1,015Tax $176Ins $150

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

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

Metro Analysis

28159 is part of the Charlotte-Concord-Gastonia, NC-SC metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Charlotte-Concord-Gastonia, NC-SC analysis

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