Realty.com
Buy

Start here

  • Homes for sale by state
  • Home buying tips
  • Before you start looking
  • The buying timeline

Afford it

  • Today's mortgage rates
  • Mortgage calculator
  • How much can I afford?
  • Get pre-approved

Make the deal

  • Writing a winning offer
  • Inspections & appraisals
  • Closing costs, itemized
  • Find a buyer's agent
Sell

Selling Options

  • What's my home worth?
  • Compare selling options
  • Get an instant cash offer
  • Buy before you sell

Resources

  • How selling works
  • When should I sell?
  • Home selling tips
  • Pricing your home
  • What's worth fixing first
  • Find a seller's agent
Home Loans
Find an Agent
Save searchAdvertiseSign In
Saved homesSaved searchesYour toursYour inquiriesRecently viewedAccount settings

Registered offenders on the map

Save search

Registered offenders on the map

Safety & registry resources

Review official public-safety information for any area from these government sources:

  • U.S. Dept. of Justice National Sex Offender Public Website (NSOPW)
  • FBI: state sex-offender registry directory
Homes Under $300K in Spencer, IA
Realty.com
Buy

Start here

  • Homes for sale by state
  • Home buying tips
  • Before you start looking
  • The buying timeline

Afford it

  • Today's mortgage rates
  • Mortgage calculator
  • How much can I afford?
  • Get pre-approved

Make the deal

  • Writing a winning offer
  • Inspections & appraisals
  • Closing costs, itemized
  • Find a buyer's agent
Save searchAdvertiseSign In
Saved homesSaved searchesYour toursYour inquiriesRecently viewedAccount settings
  • Commercial

Registered offenders on the map

Save search
3 beds
34 listings
Sell

Selling Options

  • What's my home worth?
  • Compare selling options
  • Get an instant cash offer
  • Buy before you sell

Resources

  • How selling works
  • When should I sell?
  • Home selling tips
  • Pricing your home
  • What's worth fixing first
  • Find a seller's agent
Home Loans
Find an Agent
New construction
With a pool

Homes Under $300K in Spencer, IA

Homes Under $300K in Spencer, IA

Hide Map
24 of 34 Listings
Map

Homes Under $300K in Spencer, IA

24 of 34 Listings

Your local brokerage

TO

Thomas O'Leary

Realty.com

Lic. #B64731100

Call Thomas
  1. 716 3rd Avenue E — photo14Active

    $85,000

    2 bd · 2 ba · 1,238 sqft

    716 3rd Avenue E, Spencer, IA

    Kelly Bierl · Hometown Realty

  2. 1413 2nd Avenue E — photo14Active

    $189,900

    3 bd · 2 ba · 1,912 sqft

    1413 2nd Avenue E, Spencer, IA

    Nicole Nimke · EXIT Realty Midwest- Spencer/Emmetsburg

  3. 411 E 11th Street — photo32Active

    $174,900

    3 bd · 1 ba · 1,448 sqft

    411 E 11th Street, Spencer, IA

    Bryan Sebastian · Hinn Real Estate

  4. 507 C Club Lane — photo14Active

    $167,500

    3 bd · 1 ba · 1,008 sqft

    507 C Club Lane, Spencer, IA

    Peggy Bergh-Kuker · Keller Williams Okoboji

  5. 1120 4th Avenue E — photo13Active

    $99,900

    2 bd · 1 ba · 946 sqft

    1120 4th Avenue E, Spencer, IA

    Kelly Bierl · Hometown Realty

  6. 1312 13th Avenue W — photo29Active

    $299,500

    4 bd · 3 ba · 2,390 sqft

    1312 13th Avenue W, Spencer, IA

    Kim Bates · Bates Realty, LLC

  7. 3213 W 3rd Street — photoPrice Reduced20Active

    $284,900

    3 bd · 2 ba · 1,518 sqft

    3213 W 3rd Street, Spencer, IA

    Nancy Vierkant · EXIT Realty Midwest

  8. 1315 1st Avenue W — photoPrice Reduced37Active

    $229,900

    3 bd · 2 ba · 1,622 sqft

    1315 1st Avenue W, Spencer, IA

    Kari Stave · EXIT Realty Midwest- Spencer/Emmetsburg

  9. 905 E 4th Street — photoPrice Reduced20Active

    $199,900

    3 bd · 2 ba · 2,013 sqft

    905 E 4th Street, Spencer, IA

    Kim Bates · Bates Realty, LLC

  10. 1703 Patricia Avenue #2 — photo16Active

    $235,000

    2 bd · 2 ba · 1,392 sqft

    1703 Patricia Avenue #2, Spencer, IA

    Kim Bates · Bates Realty, LLC

  11. 610 Country Club Lane — photo19Active

    $250,000

    3 bd · 2 ba · 1,690 sqft

    610 Country Club Lane, Spencer, IA

    Kelly Pullen · EXIT Realty Midwest- Spencer/Emmetsburg

  12. 506 4th Street SE — photo26Active

    $249,000

    2 bd · 2 ba · 1,741 sqft

    506 4th Street SE, Spencer, IA

    Bryan Sebastian · Hinn Real Estate

  13. 309 W 12th Street — photo17Active

    $159,000

    3 bd · 2 ba · 808 sqft

    309 W 12th Street, Spencer, IA

    Peggy Bergh-Kuker · Keller Williams Okoboji

  14. 703 8th Avenue W — photoPrice Reduced18Active

    $148,000

    2 bd · 1 ba · 988 sqft

    703 8th Avenue W, Spencer, IA

    Bob Bates · Bates Realty, LLC

  15. 928 E 9th Street — photoPrice Reduced22Active

    $250,000

    4 bd · 2 ba · 1,988 sqft

    928 E 9th Street, Spencer, IA

    Nicole Nimke · EXIT Realty Midwest- Spencer/Emmetsburg

  16. 228 4th Street SW — photoPrice Reduced37Active

    $175,000

    5 bd · 1 ba · 1,355 sqft

    228 4th Street SW, Spencer, IA

    Dana Reinders · EXIT Realty Midwest- Spencer/Emmetsburg

  17. 3211 W 3rd Street — photoPrice Reduced21Active

    $224,900

    2 bd · 1 ba · 1,136 sqft

    3211 W 3rd Street, Spencer, IA

    Ryan Moran · Integrity Real Estate

  18. 325 E 13th Street — photoPrice Reduced15Active

    $116,500

    4 bd · 1 ba · 1,477 sqft

    325 E 13th Street, Spencer, IA

    Katie Muhlbauer · Integrity Real Estate

  19. 1405 11th Avenue W — photoPrice Reduced24Active

    $210,000

    4 bd · 2 ba · 1,848 sqft

    1405 11th Avenue W, Spencer, IA

    Kari Stave · EXIT Realty Midwest- Spencer/Emmetsburg

  20. 3195 190th Avenue — photoPrice Reduced20Active

    $209,900

    2 bd · 2 ba · 696 sqft

    3195 190th Avenue, Spencer, IA

    Nick Steffes · Integrity Real Estate

  21. 1217 13th Avenue W — photoPrice Reduced24Active

    $249,900

    4 bd · 2 ba · 1,747 sqft

    1217 13th Avenue W, Spencer, IA

    Kari Stave · EXIT Realty Midwest- Spencer/Emmetsburg

  22. 220 W 3rd St — photoPrice Reduced34Active

    $204,900

    5 bd · 2 ba · 1,647 sqft

    220 W 3rd St, Spencer, IA

    Sean Kondrath · Real Estate Unlimited

  23. 79 Stoneybrook Circle SW — photoPrice Reduced19Active

    $262,000

    2 bd · 2 ba · 1,374 sqft

    79 Stoneybrook Circle SW, Spencer, IA

    Kim Bates · Bates Realty, LLC

  24. 2106 1st Avenue E 30 — photoPrice Reduced15Active

    $85,000

    2 bd · 2 ba · 1,012 sqft

    2106 1st Avenue E 30, Spencer, IA

    Nicole Nimke · EXIT Realty Midwest- Spencer/Emmetsburg

12

Explore Spencer homes

By price

  • Under $300K
  • Under $500K
  • Under $700K
  • Luxury

By bedrooms

  • 2 beds
  • 3 beds
  • 4 beds
  • 5 beds

By type

  • Single family
  • Townhomes
  • Condos
  • Manufactured homes
  • Multi-family homes
  • Co-ops

By feature

Realty.com

L. Custen Realty, Inc. d/b/a Realty.com/L. Custen Realty CT, LLC d/b/a Realty.com (Tom O’Leary-Broker)(CT properties only), 8323 Southwest Freeway, Suite 900, Houston, Texas 77074

Equal Housing OpportunityEqual Housing Lender

The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing data is derived from various Multiple Listing Services; each source MLS and its required disclaimer are shown with the listings on the applicable page. Realty.com is an independently owned and operated brokerage.

© 2026 Realty.com. All rights reserved.·Privacy·Terms·California Privacy Rights·Accessibility·Licensing

Listing data & MLS disclosures

Iowa Great Lakes Board of REALTORS
The data relating to real estate for sale on this website comes in part from the Internet Data exchange program of Iowa Great Lakes Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright ©2026 Iowa Great Lakes Board of REALTORS®. All rights reserved.
    • New construction
    • With a pool

    Your local brokerage

    TO

    Thomas O'Leary

    Realty.com

    Lic. #B64731100

    Call Thomas

    Spencer, IA community profile

    Population
    11,283
    Median income
    $58,383
    Housing units
    5,621
    People per sq. mi.
    71.6
    Area
    157.6 sq. mi.

    Source: HJN community data

    Spencer housing market

    July 2026

    Spencer 12-month median sale price trend

    Homes that sold · County records, as of Jul 31, 2026

    Median sale price
    $165,000$126,500–$294,500 typical range
    Price per sq. ft.
    $171
    Sales
    47
    Paid in cash
    40.4%

    Homes on the market · MLS, as of Jul 21, 2026

    Median list price
    $224,900
    Homes for sale
    44

    Price trend · Assessor repeat sales, as of Jul 31, 2026

    Year-over-year
    5.0%

    Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Jul 15, 2026

    Median home size
    1,448 sq. ft.