Zip Code

68777

Spencer, NE

Median home value in zip code 68777 (Spencer, NE) is $184K, down 3.7% year over year.

Home Value$183,768
YoY Change
-3.7%
AFFORDABILITY

Enter your income for 68777 (Spencer).

$36,754 on $183,768
Affordable — 22% of income

Under the 28% guideline.

PITI$1,377
P/I22%
Afford$234K
Room+$50K
P&I $929Tax $265Ins $183
6.50% 30yr, 20% down, county tax + NE ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.
Try Free