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Featured local agent — Spearville, KS
Sarah Mitchell
Compass Real Estate · Spearville, KS
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Spearville, KS Housing Market
The typical home in Spearville, KS is worth $228,201, fell 2.0% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $207,000 (through May 2026). With 1.0 months of supply and homes going under contract in about 92 days, Spearville is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $228,201 home is about $1,218/mo in principal and interest.
Key numbers for Spearville, KS
Typical home value
$228,201
-2.0% in 12 months
Zillow, August 2026
Median sale price
$207,000
Last published period
Redfin, through December 2025
Days on market
92
Slow-moving
Redfin, through December 2025
Active listings
2
1.0 months of supply
Redfin, through December 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$71,230
Home costs 3.2x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Spearville a buyer's or seller's market?
Spearville, KS is a seller's market, based on 1.0 months of supply and homes selling in about 92 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Spearville housing market data show?
Every row below is Redfin's final published month for Spearville, KS. Redfin, through December 2025
| Metric | Value |
|---|---|
| Median sale price | $207,000 |
| Median list price | $210,000 |
| Median price per sq ft | $136/sq ft |
| Median days on market | 92 days |
| Active inventory | 2 listings |
| Months of supply | 1.0 months |
| Homes sold (that month) | 2 |
| New listings (that month) | 1 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Spearville is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Spearville is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Spearville home prices moved?
Across the 25 months we hold for Spearville, KS, the median sale price rose 176.0%, from $75,000 in June 2021 to $207,000. The live Zillow value series has fell 2.0% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through December 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Spearville?
Priced off the typical home value of $228,201 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $45,640 | $182,561 | $1,218/mo |
| 5% | $11,410 | $216,791 | $1,447/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,218, that implies roughly $52,211 a year before you add taxes and insurance. The median household in Spearville earns $71,230, about $19,019 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.2x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Spearville in the next 12 months?
Tell us your timeline. We send the Spearville market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Spearville?
Zillow does not publish a rent index (ZORI) for Spearville, KS, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Spearville?
Active listings in Spearville, KS went from 6 in June 2023 to 2 in December 2025, a -66.7% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| July 2023 | 4 | 1 |
| August 2023 | 3 | not published |
| September 2023 | 2 | not published |
| October 2023 | 1 | not published |
| April 2024 | 3 | 3 |
| May 2024 | 3 | 1 |
| July 2024 | 2 | not published |
| September 2024 | 1 | not published |
| May 2025 | 1 | not published |
| August 2025 | 2 | 1 |
| September 2025 | 2 | 1 |
| December 2025 | 2 | 1 |
Redfin, through December 2025
How does Spearville compare to Kansas and the U.S.?
Spearville homes sell for $207,000 — 35% below the Kansas median of $316,300. Against the national median of $410,700, Spearville runs 50% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Spearville, KS | $207,000 | not published | 92 days |
| Kansas statewide | $316,300 | +2.6% | 19 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Spearville
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $228 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $228,201 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Spearville listing goes under contract in 92 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Spearville added 1 new listings against 2 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -2.0% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Spearville varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Spearville
There are currently 2 homes listed for sale in Spearville, Kansas. The median listing price is $210K.
Active listings
2
Homes on market
Median list price
$210K
Avg. days on market
92
Days until sale
New this week
1
Newly listed
How much do homes cost in Spearville by property type?
How the Spearville, KS market breaks down across single-family homes, condos and townhouses. Redfin, through December 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $207,000 | $136/sq ft | 2 | 92 days |
Who lives in Spearville?
American Community Survey estimates for Spearville. U.S. Census ACS, 2023
Population
1,054
Households
419
Median income
$71,230/yr
Median age
37.4 years
Owner-occupied
84.7%
Median home value
$185,400
Median gross rent
$775/mo
Mean commute
15.9 min
84.7% of occupied homes in Spearville are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $185,400 against Zillow's $228,201 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Spearville?
2 schools tracked · 363 students
The largest public schools serving Spearville, KS by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Spearville Elem
Grades PK-5 · 192 students
Spearville Jr/Sr High
Grades 6-12 · 171 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Spearville, KS?
Ordered by distance from Spearville, not by size. Compare Spearville side by side with any of them.
Spearville housing market FAQ
Is Spearville a buyer's or seller's market?
Spearville, KS is currently a seller's market. That read comes from 1.0 months of supply, homes going under contract in about 92 days in the last month Redfin published (May 2026).
How much do homes cost in Spearville?
The typical home in Spearville, KS is worth $228,201 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $207,000, about $136 per square foot.
Is Spearville cheaper than the rest of Kansas?
Spearville's median sale price of $207,000 is 35% lower than the Kansas statewide median of $316,300, and 50% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Spearville?
Homes in Spearville, KS spent a median of 92 days on market before going under contract, versus 19 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Spearville?
At the current 30-year fixed rate of 7.03%, 20% down on a $228,201 home is about $1,218 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $52,211 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $71,230.
Are home prices rising in Spearville?
The typical home value in Spearville, KS fell 2.0% over the last 12 months, from $232,860 to $228,201 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Spearville?
Spearville ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Spearville?
That depends on your timeline, not on a headline. What the data says today: Spearville, KS is a seller's market with 1.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $228,201, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.