Spencer
Surrounded by nature
10 homes for sale·Median $375K·Walkability 1.8/10·Schools 7.0/10
Spencer Township spreads across nearly 24,000 acres of farmland, woods, and water in northeast Kent County. Lincoln Lake's boating site is less than a mile away; Cooper Creek and Bass Lake anchor different corners of the landscape. White Pine Park has hiking trails, and Spencer Forest opens up for cross-country skiing and horseback riding when the season shifts. The nearest grocery is a couple of miles down the road, and restaurants cluster in the same direction—this is a place where you plan errands rather than stumble into them.
Why people love it here
Lake life
- Bass Lake within walking distance
- 10 parks within 1 mile
- Lincoln Lake Boating Access Site: 14 min walk
- Lincoln Lake: 14 min walk
$76K median household income
- $375K median · 39 sales in last 12mo
Conventional Mortgage Calculator
Median home price in Spencer
Estimated Monthly Payment
$2,546/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
39 homes sold in Spencer this year. Thinking of selling?
See what your home is worthBased on 4 rated schools nearby
Range: 6/10 to 8/10
School District: Cedar Springs Public Schools
Flood Risk
None
Not in flood zone
Nearest Park
Lincoln Lake Boating Access Site
0.2 mi
Parks Nearby
10
within 1 mile
Nearest Lake
Bass Lake
0.0 mi
Walkability
Car-dependent
Overall walkability score out of 10
Based on actual walk/bike/drive times to nearby amenities via Mapbox
The Kicks at Bowen Lake
Lincoln Lake Boating Access Site
+1 more
Unnamed playground
Lincoln Lake
+1 more
Unnamed beach
Lincoln Lake Launch
Spencer Township Library
Most of Spencer is policed by the Kent County Sheriff's Office. Across that jurisdiction in 2024, the most common reported offenses were larceny / theft (660 per 100,000 residents) and aggravated assault (108 per 100,000 residents), per FBI Uniform Crime Reporting.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 660 |
| Aggravated assault | 108 |
| Motor-vehicle theft | 76 |
| Burglary | 66 |
| Rape | 43 |
| Robbery | 5 |
| Arson | 5 |
| Homicide | 0 |
Reported offenses per 100,000 residents, Kent County Sheriff's Office, FBI Uniform Crime Reporting (2024). Figures cover the Kent County Sheriff's Office's full jurisdiction (the county's unincorporated areas), not Spencer alone. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Spencer home (around $375,000) at today's 6.49% 30-year fixed rate with 20% down, you'd need roughly $59k/year in household income to qualify — an estimated monthly payment of $2,215 (principal, interest, property tax, and insurance).
The typical Spencer household earns $75,840 — above what the median home requires. At that income, a buyer can afford roughly $491,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $2,215/mo | $59,062 |
| 10% (+PMI) | $2,592/mo | $69,126 |
| 5% (+PMI) | $2,718/mo | $72,491 |
Estimates use a 6.49% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price and median property taxes, plus estimated insurance and PMI below 20% down. Not a commitment to lend, and not an APR — your actual rate and payment will vary.
Land for sale
Listings
5 parcels
Active / pending
Typical Land Value
$31K/acre
Median asking
Median Price
$125K
Per listing
Who actually lends in Spencer, and how homes here are financed — from 2024 federal mortgage records.
Loans to buy a home
Most active lenders
Homeowners refinancing an existing mortgage
Most active lenders
Source: 2024 HMDA (CFPB/FFIEC). Neighborhood figures are area-weighted estimates from census-tract data; loan amounts are rounded and all-cash purchases are excluded.
Solar potential
~$896/yr in electricity from a typical rooftop solar system
Produces ~6,269 kWh/yr · offsets ~60% of a typical home's use
Private well
Based on assessor parcel records
Septic (individual)
Based on assessor parcel records
Utility, solar, and service details for Spencer are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Median Income
$76K
Home Value (Census)
$224K
🍕 Restaurants(3)
☕ Coffee(1)
Biggby Coffee
Café
🍺 Bars(4)
The Links at Bowen Lake Golf Course and Restaurant
Bar
The Kicks at Bowen Lake
Bar
Harvard Bar
Pub
+1 more within 5 miles
🏫 Schools(5)
🌳 Parks(6)
+3 more within 5 miles
⛵ Boat Launches(2)
Boat Launch
Boat Launch
📚 Libraries(1)
Spencer Township Library
Frequently asked about Spencer
- What do homes cost in Spencer?
- The median home value in Spencer is about $375,000. Individual prices vary by street, size, and condition.
- How active is the Spencer housing market?
- there are 10 homes for sale in Spencer right now, and 39 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Spencer?
- Spencer is served by Cedar Springs Public Schools. Its highest-rated assigned school is Cedar View Elementary School (7/10).
- Is Spencer walkable?
- Spencer scores 1.8/10 for walkability — a measure of walking, biking, and driving access to groceries, dining, parks, schools, and transit.