What income do you need to buy a house in Spencerville, MD?

It takes about $210,000/yr to afford the typical Spencerville, MD home ($769K, -1.1% past year) at today's rates. Starter homes run around $566K. See if you can afford a house in Spencerville (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $210,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, MD property tax and insurance)
• Typical home value: $769K (Zillow ZHVI, 2026-07)
• 1-year change: -1.1%
• Bottom 35% of homes: $566K
• Top 35% of homes start around: $1.05M
• Median household income: $190K
• Price-to-income ratio: 4.0
• Estimated payment on the typical home: $3,992/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Ashton, MD — typical home $845K
• Burtonsville, MD — typical home $475K
• Fulton, MD — typical home $978K
• Olney, MD — typical home $667K
• Beltsville, MD — typical home $460K
• Laurel, MD — typical home $478K

The most affordable cities to buy a house in Maryland

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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