City

SPRUCE, MI

Alpena, MI

Median home value: $203K (+3.2% YoY). Part of Alpena, MI.

Limited Data

Basic Zillow data only. For stress scores, AI analysis, and trends, Alpena, MI metro page.

Home Value$203,475
+3.2%
AFFORDABILITY

Enter your income for Spruce.

$40,695 on $203,475
Affordable — 21.9% of income

Under the 28% guideline.

PITI$1,370
P/I21.9%
Afford$260K
Room+$56K
P&I $976Tax $261Ins $133
6.00% 30yr, 20% down, county tax + MI ins. 28% per HUD.
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Spruce Housing Market | CrashWatch