A typical Spruce home is worth roughly $222,000
Home prices around Spruce have risen about 82% over the past 5 years.
What kind of housing town is Spruce?
Read from the numbers below. The page puts what stands out first.
A typical home costs 2.9 years of income
Less than across Wisconsin (4.4 years). Try your own numbers below.
That covers a typical Spruce home, with $58K to spare.
A two-bedroom rents for about $970 a month here, $420 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Spruce’s typical property tax (1.20% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
82% of Spruce households own their home
Half of Spruce’s homes were built before 1969.
Wisconsin: 68% own.
U.S. Census Bureau, American Community Survey 2020-2024 · figures for a place this size carry wide margins of error.
Home prices up 82% in 5 years
The federal house price index for the ZIP codes around Spruce rose 82% over the past 5 years, faster than across Wisconsin (57%). Last year prices rose 5.3%.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Spruce, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A two-bedroom rents for about $970
Renters already here pay a median of $850, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Oconto County, WI HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Spruce vs. its neighbors
Spruce is the 2nd least expensive of 5 neighboring towns. Tap one to see its housing page.
Compare more
| Town | Typical value | 1-yr change | 2-bed rent | Median income |
|---|---|---|---|---|
| Spruce | $222K* | +5.3%† | $970 | $75,417 |
| Maple Valley | $178K* | +0.7%† | $980 | $58,125 |
| Oconto Falls | $289K | +7.6% | $970 | $91,597 |
| Brazeau | $231K* | — | $970 | $72,688 |
| Lena | $306K | +9% | $970 | $90,650 |
Typical value: Zillow Home Value Index; * Census median home value where Zillow has none. † FHFA price index change where Zillow has none. Rent: HUD Fair Market Rent. New homes: Census building permits.
Neighbors talk housing
What Spruce buyers, sellers and renters are saying.
Your answer becomes a post in Town Square.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.