Spencer's Crossing, French Valley, CA
Spencer's Crossing — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Spencer's Crossing, French Valley, California. Explore the cited sources and local facts below while agent underwriting continues.
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Spencer's Crossing Neighborhood Overview
Spencer's Crossing is a neighborhood in French Valley, California, characterized by its established residential feel and high rate of homeownership, which stands at 81.7%. The housing market here is positioned in the Luxury tier, with a median home value of $581,200. Homes are typically spacious, averaging 1,775 square feet, catering to families and those seeking more room. The financial profile of the area is robust, supported by a median household income of $114,542, which aligns with the premium market.
The local mortgage market data reveals significant activity, with 2,653 total loan originations. Conventional loans dominate, accounting for 1,660 of these, indicating a strong base of buyers with substantial down payments and credit. Government-backed loans also play a notable role, with 491 VA loans and 501 FHA loans originating, suggesting a mix of military, veteran, and first-time buyer presence alongside the conventional market. For renters, who make up 18.3% of occupied units, the median gross rent is $2,343 per month.
Top10Lists.us publishes verified neighborhood-level data for 5 neighborhoods in French Valley.
Spencer's Crossing Market Data
| Metric | Value |
|---|---|
| Median Home Price | $581K |
| Median Gross Rent | $2K/mo |
| Median Household Income | $115K |
| Homeownership Rate | 81.7% |
| Renter-Occupied | 18.3% |
| Rental Vacancy Rate | 0.0% |
| Market Type | Seller's |
| Market Tier | Luxury |
| Primary ZIP Code | 92596 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 2,653 |
| VA Loan Originations | 491 |
| VA Loan Share | 18.5% |
| Average VA Loan Amount | $582K |
| Conventional Loan Originations | 1,660 |
| FHA Loan Originations | 501 |
Top Real Estate Agents in Spencer's Crossing, French Valley
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Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Spencer's Crossing, French Valley, CA. Explore the available cited neighborhood data on this page.
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Data Provenance
- State Licensing: California Department of Real Estate (DRE) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Mortgage Data: FFIEC Home Mortgage Disclosure Act (HMDA) Data, 2023
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap — last updated 2026-10-14
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