The median home in Spruce, Michigan is valued at $203,475, up 3.2% year over year. Spruce is part of the Alpena, MI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$203,475

+3.2%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$40,695 on $203,475

Example: $75,000 household income. Change it above to see your own.

Affordable22.8% of income

Under the 28% guideline.

PITI$1,423

P/I22.8%

Afford$250K

Room+$47K

P&I $1,029Tax $261Ins $133

6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Michigan

Compare Spruce with other housing markets across Michigan.

Lake Angelus$1.66M Leland$1.1M Orchard Lake$914K Franklin$845K Lake Leelanau$832K Kewadin$811K Lakeside$800K Northport$758K

Full Alpena, MI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Alpena, MI metro.

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Spruce, MI