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Learn about the people, housing, costs and businesses in Spencer Valley, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Spencer Valley.
True all-in cost — P&I, taxes, insurance & utilities for homes in Spencer Valley.
Find and compare lenders active near Spencer Valley.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Spencer Valley.
Seismic risk and earthquake insurance estimates for Spencer Valley.
Wildfire exposure and insurance estimates for Spencer Valley.
As of today, the 30-year fixed mortgage rate for Spencer Valley is approximately 6.998% (7.041% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Spencer ValleyThe median home value in Spencer Valley is $166k. The median monthly rent is $1,116. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Spencer Valley have increased 17.5% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,165/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $50k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Spencer Valley is $67k/year.
Calculate your buying powerThe largest employment sectors in Spencer Valley are public administration (19%) and information and media (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.