Median home value in zip code 44275 (Spencer, OH) is $310,877, up 1.5% year over year. Part of the Cleveland-Elyria, OH metropolitan area.

Home Value$310,877

YoY Change

+1.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 44275 (Spencer).

Income (annual)

Down Payment

$62,175 on $310,877

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

Stretch34.8% of income

Above 28% but manageable with cuts.

PITI$2,172

P/I34.8%

Afford$250K

Gap-$60K

P&I $1,572Tax $500Ins $100

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

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

Metro Analysis

44275 is part of the Cleveland-Elyria, OH metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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