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Spencer city, WV

ZIP 25276 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 25276

Median Home Value
$109,600
Median Rent
$518
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$704/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 25276 in Spencer city, WV, a household would need roughly $30,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $704. That sits below the local median household income ($38,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
71.6%+9% vs US avg
x
Vacancy Rate
20.1%+95% vs US avg
x
Broadband Access
72.2%-17% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
12.8%-74% vs US avg
x
Mortgage-Free
65.5%+71% vs US avg
x
$109,600
Home Value
$518
Rent
1974
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached71.9%
  • 1-unit attached0.0%
  • 2-9 units4.2%
  • 10+ units2.6%
  • Mobile home & other21.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,600
Median rent$518
Owner-occupied71.6%
Vacant20.1%
Price-to-income2.8x
Est. income to buy$30,000