Spencer, IA Homes for Sale under $100,000

/33
$89,900
- 3 Beds
- 1 Bath
- 1,184 Sq Ft
319 E 11th St, Spencer, IA 51301

Located close to the Hospital, this one-bedroom has an upper loft area and a finished (tiled) basement room for a possible 2nd bedroom. Open living - Dining area, enclosed front porch, landscaped backyard, double car garage and off-street parking. Buyer's agent to submit offers via www.propoffers.com.

Dana Reinders EXIT Realty Midwest- Spencer/Emmetsburg

319 E 11th St, Spencer, IA 51301
Explore Spencer
/20
$94,900
- 2 Beds
- 1 Bath
- 1,149 Sq Ft
427 6th Ave W, Spencer, IA 51301

Charming 1.5-story Cape Cod single-family home featuring 2 bedrooms and 1 bathroom. Inside, you’ll find original hardwood floors and a welcoming main floor layout with a living room, dining room, and kitchen. The basement is protected with a Thrasher waterproofing system for peace of mind. Outside, the property includes a detached 1-car garage that has been re-sided, along with new windows and

Kari Stave EXIT Realty Midwest- Spencer/Emmetsburg

427 6th Ave W, Spencer, IA 51301
/13
$95,000
- 3 Beds
- 1 Bath
- 1,118 Sq Ft
1518 3rd Ave W, Spencer, IA 51301

Charming three-bedroom, one-bath home situated on a spacious lot bordering the bike trail. Interior highlights include built-ins that add both character and functionality. A detached garage and covered drive/carport provide convenient access to the house. The property offers potential for updates, making it an appealing choice for DIY enthusiasts or investors looking to add value.

Matt Lippon Jensen Real Estate

1518 3rd Ave W, Spencer, IA 51301
/8
$59,900
- 2 Beds
- 2 Baths
- 1,222 Sq Ft
813 6th Ave SW, Spencer, IA 51301

Bring your toolbelt and your gloves! This 2022 new construction townhome was under contract to close when the June 2024 flood hit. It is now waiting to be cleaned out and reconstructed to the beautiful property it can be once again.

Bryan Sebastian Hinn Real Estate

813 6th Ave SW, Spencer, IA 51301
/17
$99,500 Open Sun 12:30PM - 1:30PM
- 3 Beds
- 1 Bath
- 698 Sq Ft
716 E 8th St, Spencer, IA 51301

Move-in ready low maintenance home offers updated mechanicals, newer roof, gutters and windows, vinyl siding on house and garage. Check out this perfect home for first-time home buyers, downsizers, or anyone seeking a low maintenance cost effective lifestyle.

Kim Bates Northwest Iowa Realty

716 E 8th St, Spencer, IA 51301
/12
$99,900
- 2 Beds
- 1 Bath
- 884 Sq Ft
520 E 2nd St, Spencer, IA 51301

Opportunity Knocks! This classic bungalow offers a great starting point for your next investment or new home —whether you’re looking to start home ownership, flip or add a steady rental to your portfolio. Featuring potentially two bedrooms, one bath, an eat-in kitchen, and a formal dining room, the layout is simple and functional. Original woodwork trim adds character throughout, while an

Kelly Bierl Hometown Realty

520 E 2nd St, Spencer, IA 51301
/17
$95,000
- 2 Beds
- 1 Bath
- 1,095 Sq Ft
603 5th Ave SE, Spencer, IA 51301

Enjoy this open, 2-BR home in quiet neighborhood, near walking and biking trails. Waiting on your own personal TLC. Large garage for hobbies and equipment. Partially fenced backyard offers space for entertainment. Full and finished basement. Contact your favorite real estate agent before this slips away!

John Goede Century 21 ProLink

603 5th Ave SE, Spencer, IA 51301
/2
$50,000
- 3 Beds
- 2 Baths
- 1,301 Sq Ft
505 E 3rd St, Spencer, IA 51301

Investor special! Bring your skillset and ingenuity into this duplex, and restore it into your next income-producing property. A two-bedroom home on the main level and a studio apartment--with a separate entrance--on the second floor.

Kate Padilla eXp Realty LLC

505 E 3rd St, Spencer, IA 51301
/16
$99,900
- Land
- 3.75 Acres
- $26,651 per Acre
2015 358th St, Spencer, IA 51301

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2015 358th St, Spencer, IA 51301
/15
$89,900
- Land
- 3.44 Acres
- $26,107 per Acre
2020 358th St, Spencer, IA 51301

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2020 358th St, Spencer, IA 51301
/15
$89,900
- Land
- 3.44 Acres
- $26,107 per Acre
2014 358th St, Spencer, IA 51301

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2014 358th St, Spencer, IA 51301
/15
$89,900
- Land
- 3.44 Acres
- $26,107 per Acre
2008 358th St, Spencer, IA 51301

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2008 358th St, Spencer, IA 51301
/2
$32,900
- Land
- 0.49 Acre
- $66,881 per Acre
1901 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

1901 20th Ave W, Spencer, IA 51301
/2
$27,900
- Land
- 0.32 Acre
- $86,858 per Acre
1905 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

1905 20th Ave W, Spencer, IA 51301
/2
$27,900
- Land
- 0.31 Acre
- $91,220 per Acre
2008 W 20th St, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

2008 W 20th St, Spencer, IA 51301
/2
$27,900
- Land
- 0.3 Acre
- $93,920 per Acre
2102 W 20th St, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

2102 W 20th St, Spencer, IA 51301
/2
$27,900
- Land
- 0.29 Acre
- $96,978 per Acre
2007 W 20th St, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

2007 W 20th St, Spencer, IA 51301
/2
$27,900
- Land
- 0.34 Acre
- $81,440 per Acre
2003 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

2003 20th Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.33 Acre
- $91,080 per Acre
2108 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

2108 20th Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.35 Acre
- $86,158 per Acre
2002 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Northwest Iowa Realty

2002 20th Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.33 Acre
- $91,118 per Acre
2002 22nd Ave W, Spencer, IA 51301

Whether you're a homeowner looking to customize your own property or an investor seeking to enhance your Real Estate Portfolio this lot holds potential for various ventures. Located in the desirable neighborhood of Fairway Woods with a peaceful atmosphere. Nearby amenities include Spencer Golf and Country Club, Trails and Parks. Start your plans today and be ready to build in the Spring!

Kim Bates Northwest Iowa Realty

2002 22nd Ave W, Spencer, IA 51301
/2
$34,900
- Land
- 0.52 Acre
- $67,063 per Acre
2008 22nd Ave W, Spencer, IA 51301

This property presents an excellent opportunity for those seeking a large affordable lot. Located in the desirable neighborhood of Fairway Woods with a peaceful atmosphere. Nearby amenities include Spencer Golf and Country Club, Trails and Parks. Start your plans today and be ready to build in the Spring!

Kim Bates Northwest Iowa Realty

2008 22nd Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.37 Acre
- $80,398 per Acre
1804 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1804 22nd Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.33 Acre
- $92,000 per Acre
1808 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1808 22nd Ave W, Spencer, IA 51301
/2
$33,900
- Land
- 0.49 Acre
- $69,325 per Acre
1812 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1812 22nd Ave W, Spencer, IA 51301
/2
$33,900
- Land
- 0.49 Acre
- $69,892 per Acre
1900 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1900 22nd Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.32 Acre
- $93,045 per Acre
1906 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1906 22nd Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.34 Acre
- $86,928 per Acre
1813 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1813 22nd Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.33 Acre
- $91,883 per Acre
1809 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

1809 22nd Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 0.39 Acre
- $76,781 per Acre
2201 18th Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision still has plenty of great lots available with special assessments paid by seller. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Northwest Iowa Realty

2201 18th Ave W, Spencer, IA 51301

Iowa Clay County Spencer

Home Trends in Spencer, IA

On average, homes in Spencer, IA sell after 60 days on the market compared to the national average of 52 days. The median sale price for homes in Spencer, IA over the last 12 months is $169,900, down 19% from the median home sale price over the previous 12 months.

Housing Trends

Median Sale Price

$169,900

Median Single Family Sale Price

$145,500

Median 2 Bedroom Sale Price

$55,000

Average Price Per Sq Ft

$114

Number of Homes for Sale

Last 12 months Home Sales

Months of Supply

0.60

Median List Price

$174,900

Median Change From 1st List Price

Median Home Sale Price YoY Change

-19%

How to Buy a Home How to Finance a Home How to Sell a Home

In Spencer, there are currently 30 homes for sale priced under $100,000, providing budget-friendly options for prospective buyers. Whether you're in search of houses for sale under 100k or other property types, there are opportunities to discover your ideal home within your budget in Spencer, IA. From cozy starter homes to properties awaiting your personal touch, these affordable residences offer an entry point into the housing market or an opportunity for real estate investment without stretching your finances.

Spencer Types of Homes for Sale

Spencer Homes by Price

Spencer Real Estate Listings

Spencer New Construction Homes

More About Living in Spencer

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