Median home value in zip code 38585 (Spencer, TN) is $195K, down 3.9% year over year.
Home Value$195,077
YoY Change
-3.9%
AFFORDABILITY6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.
Enter your income for 38585 (Spencer).
$39,015 on $195,077
Affordable — 20.3% of income
Under the 28% guideline.
PITI$1,269
P/I20.3%
Afford$269K
Room+$74K
P&I $986Tax $115Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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