Rent in Spencer, NC
A 2-bedroom in Spencer, NC (ZIP 28159) typically rents for about $900 a month, with a range of $900–$1,262. Owner-occupied homes in Rowan County pay about 0.65% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $992 | $992 | 1 |
| 1 bed | $506 | $506–$1,012 | 1 |
| 2 beds | $900 | $900–$1,262 | 1 |
| 3 beds | $1,604 | $1,604 | 1 |
| 4 beds | $2,109 | $2,109 | 1 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Spencer ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Spencer, NC?
- About $900 a month: the median of the typical rents in 1 ZIP code, which range from $900–$1,262. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Spencer, NC?
- About $506 a month: the median of the typical rents in 1 ZIP code, which range from $506–$1,012. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Spencer, NC?
- About $1,604 a month: the median of the typical rents in 1 ZIP code, which range from $1,604. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Spencer, NC?
- About $992 a month: the median of the typical rents in 1 ZIP code, which range from $992. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Spencer, NC?
- About $2,109 a month: the median of the typical rents in 1 ZIP code, which range from $2,109. Figures are gross rent (rent plus tenant-paid utilities).
- What is the property tax rate in Spencer, NC?
- Owner-occupied homes in Rowan County pay a typical 0.65% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Spencer rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).