Median home value in zip code 51301 (Spencer, IA) is $191K, up 6.2% year over year. Part of the Spencer, IA metropolitan area.
Full stress scores, AI analysis, and 12-month forecast: Spencer, IA metro →
Home Value$191,321
YoY Change
+6.2%
AFFORDABILITY6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.
Enter your income for 51301 (Spencer).
$38,264 on $191,321
Affordable — 21.9% of income
Under the 28% guideline.
PITI$1,368
P/I21.9%
Afford$245K
Room+$53K
P&I $967Tax $250Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Metro Analysis
51301 is part of the Spencer, IA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.
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