Median home value in zip code 79081 (Spearman, TX) is $127,645, up 0.0% year over year. Part of the Borger, TX metropolitan area.

Home Value$127,645

YoY Change

+0.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 79081 (Spearman).

Income (annual)

Down Payment

$25,529 on $127,645

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

Affordable17.4% of income

Under the 28% guideline.

PITI$1,087

P/I17.4%

Afford$206K

Room+$78K

P&I $645Tax $191Ins $250

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

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

Metro Analysis

79081 is part of the Borger, TX metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Borger, TX 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.