Market Overview
Home Prices in Spearville, KS
The median home value in Spearville, KS is $235,288 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.5% compared to a year ago and up 7.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Spearville are priced43% below average. Spearville is part of the Dodge City, KS metro area.
Over the past five years, Spearville home values have risen by approximately31.6%, reflecting strong long-term appreciation in this market.
Price History
Spearville Home Price Trend
City Comparison
Spearville vs. National Median
At $235,288, homes in Spearville cost 43% below the national median of $410,000. This makes Spearville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Spearville?
20% Down Payment
$47,058
on $235,288
Monthly P&I
$1,227/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,558/mo
incl. taxes & insurance
Income Needed
$62,320
gross annual (30% rule)
10% Down Option
$23,529
+ PMI applies
Loan Amount (20% dn)
$188,230
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Spearville, KS?
The median home value in Spearville is $235,288 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.5% year-over-year.
How much have home prices changed in Spearville?
Over the past year, home values in Spearville have decreased by 1.5%. Over five years, prices have risen approximately 31.6%.
How much do I need to earn to buy a home in Spearville?
To comfortably afford the median home price of $235,288 with a 20% down payment ($47,058) at today's rates (6.8%), you'd need a gross annual income of approximately $62,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Spearville compare to the national average home price?
The national median home value is approximately $410,000. At $235,288, homes in Spearville are 43% below the national average.
What metro area is Spearville part of?
Spearville is part of the Dodge City, KS metropolitan area. Home prices and market conditions can vary across the broader metro region.