Spencer, IA Homes for Sale under $100,000

/22
$97,000

$13K PRICE DROP
- 3 Beds
- 2 Baths
- 1,732 Sq Ft
515 6th Ave W, Spencer, IA 51301

Great opportunity in a solid neighborhood! This home offers strong potential with several key updates already in place, including newer vinyl replacement windows & a roof in good condition. Inside, you’ll find original hardwood floors in the living room & a mix of spaces—some needing full renovation, including both bathrooms, while others just require cosmetic updates like paint, flooring & light

Tracey Radcliffe EXIT Realty Midwest

515 6th Ave W, Spencer, IA 51301
Explore Spencer
/2
$27,900
- Land
- 13,322 Sq Ft
- $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 Bates Realty, LLC

2008 W 20th St, Spencer, IA 51301
/2
$29,900
- Land
- 16,200 Sq Ft
- $80,398 per Acre
1804 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. 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 Bates Realty, LLC

1804 22nd Ave W, Spencer, IA 51301
/11
$39,900
- Land
- 17,518 Sq Ft
- $99,215 per Acre
907 & 911 6th St SW, Spencer, IA 51301

Here is that extra large double lot you've wanted. With over .40 of an acre to put your new dream home. With a great location in south Spencer in an established neighborhood, close to all the shopping and restaurants. Make this the place you build your dreams from the ground up.

Bryan Sebastian Hinn Real Estate

907 & 911 6th St SW, 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
$85,000

$10K PRICE DROP
- 2 Beds
- 2 Baths
- 1,012 Sq Ft
2106 1st Ave E Unit 30, Spencer, IA 51301

Welcome to easy, modern living in Birchwood Estates! This 2024 model 2 bedroom, 2 bath mobile home offers a fresh, open layout. The bright, spacious kitchen features stainless steel appliances, abundant cabinetry, and a seamless flow into the main living area. Outside, you'll appreciate the brand new deck and steps, along with a convenient storage shed for extra space. This home also includes new

Nicole Nimke EXIT Realty Midwest- Spencer/Emmetsburg

2106 1st Ave E Unit 30, Spencer, IA 51301
/11
$99,500
- 2 Beds
- 1 Bath
- 792 Sq Ft
215 E 13th St, Spencer, IA 51301

Simply Practical. With everything on one level and no steps to navigate, this Spencer home keeps everyday living easy. The living room provides plenty of space to settle in and flows into the kitchen, while the 3-season room adds a little something extra for enjoying the changing seasons. Main-floor laundry keeps things convenient, while the bathroom features a walk-in shower. The tandem 2-car

Kelly Bierl Hometown Realty

215 E 13th St, Spencer, IA 51301
/2
$29,900
- Land
- 14,175 Sq Ft
- $91,883 per Acre
1809 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. 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 Bates Realty, LLC

1809 22nd Ave W, Spencer, IA 51301
/6
$35,000

$11K PRICE DROP
- 2 Beds
- 1 Bath
- 972 Sq Ft
425 E 12th St, Spencer, IA 51301

Not a challenge for the Handyman. Ideal property for TLC skills. Two bedroom, two story and too good to pass up.

John Goede Century 21 ProLink

425 E 12th St, Spencer, IA 51301
/2
$29,900
- Land
- 14,157 Sq Ft
- $92,000 per Acre
1808 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. 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 Bates Realty, LLC

1808 22nd Ave W, Spencer, IA 51301
/4
$30,000

$14K PRICE DROP
- 111 Beds
- 1 Bath
- 1,925 Sq Ft
410 E 12th St, Spencer, IA 51301

"I Did It My Way"......... Handyman Special. Property is in the midst of a remodel waiting for the right Handyman / Handywoman to finish the job. One bedroom, one bath, fenced yard.

John Goede Century 21 ProLink

410 E 12th St, Spencer, IA 51301
/2
$27,900
- Land
- 13,991 Sq Ft
- $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 Bates Realty, LLC

1905 20th Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 13,997 Sq Ft
- $93,045 per Acre
1906 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. 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 Bates Realty, LLC

1906 22nd Ave W, Spencer, IA 51301
/13
$99,900
- 2 Beds
- 1 Bath
- 946 Sq Ft
1120 4th Ave E, Spencer, IA 51301

The Backyard Bonus. With a fenced yard stretching across a .28-acre corner lot, there’s space here to garden, play, let the pets roam, or create an outdoor setup that fits the way you live. Inside, this 2-bedroom, 1-bath Spencer home offers a straightforward layout with an updated kitchen, living room, bedroom, full bath, and laundry on the main floor. Head upstairs to find the second larger

Kelly Bierl Hometown Realty

1120 4th Ave E, Spencer, IA 51301
/11
$29,900
- Land
- 9,599 Sq Ft
- $135,671 per Acre
903 6th St SW, Spencer, IA 51301

Time to build your dreams! Located in a well established neighborhood close to everything in south Spencer from churches and Lincoln school to restaurants and shopping, this corner lot offers opportunity and room to grow. If you've been thinking about designing and building your new house and needed the land to do it, look no more, you just found the perfect place to say HOME.

Bryan Sebastian Hinn Real Estate

903 6th St SW, Spencer, IA 51301
/38
$63,000

$5K PRICE DROP
- 6 Beds
- 3 Baths
- 2,404 Sq Ft
807 4th Ave W, Spencer, IA 51301

Investment opportunity awaits!! Bring your vision and your skills to this 3 unit property located in the heart of Spencer. Within walking distance to just about everything it makes for a desirable rental location. The best part of this property is after your repairs and updates the return comes back 3 tenants at a time!! Grab your work boots and let's take a walk through what this opportunity

Bryan Sebastian Hinn Real Estate

807 4th Ave W, Spencer, IA 51301
/2
$27,900
- Land
- 12,940 Sq Ft
- $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 Bates Realty, LLC

2102 W 20th St, Spencer, IA 51301
/2
$29,900
- Land
- 15,117 Sq Ft
- $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 Bates Realty, LLC

2002 20th Ave W, 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
/2
$29,900
- Land
- 16,962 Sq Ft
- $76,781 per Acre
2201 18th Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. 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 Bates Realty, LLC

2201 18th Ave W, Spencer, IA 51301
/11
$29,900
- Land
- 11,549 Sq Ft
- $112,766 per Acre
1005 6th St SW, Spencer, IA 51301

Here is the perfect "blank canvas" to build your new home. This large lot offers a great location in south Spencer close to Lincoln school, shopping, restaurants and more. Situated in an established neighborhood this rare opportunity is your place to make those thoughts of a dream home a reality.

Bryan Sebastian Hinn Real Estate

1005 6th St SW, Spencer, IA 51301
/2
$29,900
- Land
- 14,293 Sq Ft
- $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 Bates Realty, LLC

2002 22nd Ave W, 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
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

Iowa Clay County

Home Prices in Spencer, IA

The median home sale price in Spencer, IA is $165,000, down 8% year-over-year. Homes in Spencer sell in 63 days on average, compared to the national average of 55 days.

Home Price Trends

Median Sale Price $165,000	Median Single Family Sale Price $177,500
Median Townhouse Sale Price $90,500	Median 2 Bedroom Sale Price $161,500
Median 1 Bedroom Sale Price $113,000	Average Price Per Sq Ft $111
Number of Homes for Sale 47	Last 12 months Home Sales 163
Months of Supply 3.50	Median List Price $185,000
Median Change From 1st List Price 3%	Median Home Sale Price YoY Change -8%

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

In Spencer, there are currently 24 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.

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Spencer Real Estate

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