Median home value in zip code 47460 (Spencer, IN) is $244,314, up 1.8% year over year. Part of the Bloomington, IN metropolitan area.

Home Value$244,314

YoY Change

+1.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 47460 (Spencer).

Income (annual)

Down Payment

$48,863 on $244,314

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

Affordable24.7% of income

Under the 28% guideline.

PITI$1,542

P/I24.7%

Afford$277K

Room+$33K

P&I $1,235Tax $173Ins $133

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

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

Metro Analysis

47460 is part of the Bloomington, IN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Bloomington, IN analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.