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Homes Under $700K in Spencer, IA
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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

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36 listings

Homes Under $700K in Spencer, IA

Homes Under $700K in Spencer, IA

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24 of 36 Listings
Map

Homes Under $700K in Spencer, IA

24 of 36 Listings

Your local brokerage

TO

Thomas O'Leary

Realty.com

Lic. #B64731100

Call Thomas
  1. 1900 4th Avenue SW 103 — photo23Active

    $124,500

    1 bd · 1 ba · 783 sqft

    1900 4th Avenue SW 103, Spencer, IA

    Kari Stave · EXIT Realty Midwest- Spencer/Emmetsburg

  2. 1418 4th Ave East — photo8Active

    $109,500

    2 bd · 1 ba · 720 sqft

    1418 4th Ave East, Spencer, IA

    Alec A Caquelin · EXIT Realty Midwest

  3. 308 E 10th Street — photo19Active

    $134,900

    3 bd · 1 ba · 1,049 sqft

    308 E 10th Street, Spencer, IA

    Shelly Lohman · EXIT Realty Midwest- Spencer/Emmetsburg

  4. 1315 17th Avenue W — photo44Active

    $589,900

    6 bd · 5 ba · 3,562 sqft

    1315 17th Avenue W, Spencer, IA

    Nick Steffes · Integrity Real Estate

  5. 305 E 10th Street — photo15Active

    $174,000

    3 bd · 1 ba · 1,344 sqft

    305 E 10th Street, Spencer, IA

    Kelly Bierl · Hometown Realty

  6. 2106 1st Avenue E 18 — photo14Active

    $49,000

    2 bd · 2 ba · 1,056 sqft

    2106 1st Avenue E 18, Spencer, IA

    Katie Muhlbauer · Integrity Real Estate

  7. 1007 E 17th Street — photo37Active

    $389,000

    4 bd · 4 ba · 2,726 sqft

    1007 E 17th Street, Spencer, IA

    Seth Hellinga · Real Estate Unlimited

  8. 533 Prospect Drive — photoPrice Reduced31Active

    $279,000

    5 bd · 3 ba · 1,816 sqft

    533 Prospect Drive, Spencer, IA

    Cristy Jones · EXIT Realty Midwest- Spencer/Emmetsburg

  9. 716 3rd Avenue E — photo14Active

    $85,000

    2 bd · 2 ba · 1,238 sqft

    716 3rd Avenue E, Spencer, IA

    Kelly Bierl · Hometown Realty

  10. 411 E 11th Street — photoPrice Reduced32Active

    $169,900

    3 bd · 1 ba · 1,448 sqft

    411 E 11th Street, Spencer, IA

    Bryan Sebastian · Hinn Real Estate

  11. 507 C Club Lane — photoPrice Reduced14Active

    $149,900

    3 bd · 1 ba · 1,008 sqft

    507 C Club Lane, Spencer, IA

    Peggy Bergh-Kuker · Keller Williams Okoboji

  12. 1120 4th Avenue E — photo13Active

    $99,900

    2 bd · 1 ba · 946 sqft

    1120 4th Avenue E, Spencer, IA

    Kelly Bierl · Hometown Realty

  13. 1519 W 11th Street — photo24Active

    $384,000

    4 bd · 4 ba · 2,800 sqft

    1519 W 11th Street, Spencer, IA

    Kelly Bierl · Hometown Realty

  14. 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

  15. 1315 1st Avenue W — photoPrice Reduced20Active

    $219,000

    3 bd · 2 ba · 1,622 sqft

    1315 1st Avenue W, Spencer, IA

    Kari Stave · EXIT Realty Midwest- Spencer/Emmetsburg

  16. 1805 W 4th Street — photoPrice Reduced27Active

    $398,000

    2 bd · 3 ba · 1,807 sqft

    1805 W 4th Street, Spencer, IA

    Kelly Bierl · Hometown Realty

  17. 1703 Patricia Avenue #2 — photoPrice Reduced16Active

    $229,500

    2 bd · 2 ba · 1,392 sqft

    1703 Patricia Avenue #2, Spencer, IA

    Kim Bates · Bates Realty, LLC

  18. 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

  19. 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

  20. 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

  21. 1107 W 4th Street — photoPrice Reduced25Active

    $335,000

    5 bd · 4 ba · 2,128 sqft

    1107 W 4th Street, Spencer, IA

    Kate Padilla · eXp Realty LLC

  22. 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

  23. 325 E 13th Street — photoPrice Reduced15Active

    $115,900

    4 bd · 1 ba · 1,477 sqft

    325 E 13th Street, Spencer, IA

    Katie Muhlbauer · Integrity Real Estate

  24. 1405 11th Avenue W — photoPrice Reduced24Active

    $199,900

    4 bd · 2 ba · 1,848 sqft

    1405 11th Avenue W, Spencer, IA

    Kari Stave · EXIT Realty Midwest- Spencer/Emmetsburg

12
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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.

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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.
  • 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

    August 2026

    Spencer 12-month median sale price trend

    Homes that sold · County records, as of Aug 28, 2026

    Median sale price
    $169,500$117,500–$286,875 typical range
    Price per sq. ft.
    $137
    Sales
    36
    Paid in cash
    50.0%

    Homes on the market · MLS, as of Aug 30, 2026

    Median list price
    $220,000
    Homes for sale
    49

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

    Year-over-year
    -15.8%

    Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Jul 29, 2026

    Median home size
    1,448 sq. ft.