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Spencer 68777

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.NebraskaBalanced market
Market temperatureA 0 to 100 score comparing this area with every similar area nationwide each month. 0 is the strongest buyer's market, 100 the strongest seller's market.Balanced market · 44
Buyer's marketBalancedSeller's market
$75K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
+66.7%
1-yr changeHow much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.
9
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$71K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jan 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
2023202420252026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
2023202420252026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
2023202420252026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
2023202420252026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
2023202420252026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
2023202420252026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
JanMar

Housing Stock

HomesHow many homes we have records for in this area.368
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$71K
Median sizeThe middle home size here, measured in square feet.1,413 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1949
Single familyThe share of homes here that are single-family houses.65%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.61%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.5.3%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.42%
Company ownedThe share of homes owned by a company or trust instead of a person.16%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.20.9 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.31

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.502
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$65K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79K
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.24 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Spencer 68777 compares

By median home value, Spencer 68777 is the 1st most expensive of 4 ZIP codes in Boyd County, and its typical home is worth more than 65% of all homes in Boyd County.

Home values in Spencer 68777

Share of homes at each estimated value.

Median
$22K$227K
ZIP codes in Boyd County ranked by median home value
#Boyd CountyMedian valueHomes
1Spencer 68777$71K368
2Butte 68722$54K287
3Lynch 68746$49K324
4Naper 68755$34K155

About the Spencer 68777 market

What is the median home price in Spencer 68777, NE?

The median sale price in Spencer 68777, NE is $75,000 (data through January 2026), based on deeds recorded with the county. That is up 66.7% from a year earlier.

How many homes sell in Spencer 68777, NE each year?

9 homes sold in Spencer 68777, NE over the last 12 months (data through January 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

Is Spencer 68777, NE a buyer's or seller's market?

Spencer 68777, NE is currently a balanced market, scoring 44 out of 100 on TopHap's market temperature index (data through January 2026). The score weighs sales velocity and price direction; above 60 favours sellers, below 40 favours buyers.

How many homes are there in Spencer 68777, NE?

Spencer 68777, NE contains 368 residential properties, with a median of 1,413 square feet, 3 bedrooms, built around 1949. The median TopHap Estimate is $71K.

How does Spencer 68777, NE compare to the rest of Boyd County?

By median home value, Spencer 68777, NE is the 1st most expensive of 4 ZIP codes in Boyd County. Its typical home is worth more than 65% of all homes in Boyd County. Butte 68722 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Spencer 68777, NE?

42% of homes in Spencer 68777, NE are owner-occupied. 16% are held by a company rather than an individual.

How much equity do owners in Spencer 68777, NE hold?

61% of mortgaged homes in Spencer 68777, NE are equity-rich, meaning the loan balance is under half the home's value. 5.3% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Spencer 68777 on the map

See every recorded sale, price heat map, school zone and flood overlay across Spencer 68777 in TopHap’s interactive 3D map.

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