B-

Spruce, MI

Source:

Affordability Score: 69/100

Population: 1,139 · 1 ZIP codes

The affordability dashboard for Spruce, MI aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 1,139 residents, then layers in county-level federal data to produce an overall grade of B- (69/100). The headline inputs are median household income of $73,421, median home value of $214,900, median rent of per month, and 26.3% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $973 per month (studio $689, 1BR $807, 3BR $1,333, 4BR $1,380). Department of Labor data lists infant center-based childcare at $6,469 per year, consuming 9% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Spruce, MI include rent, childcare. Unemployment currently reads 2.3% and poverty 8.4% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$73,421
Median household income
Education D
26.3%
Bachelor's degree or higher
Housing B
2.9x
Home value $214,900 vs income
Commute N/A
N/A
Average commute time
Rent A
$973/mo
2BR fair market rent (16% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare B+
$6,469/yr
Center-based infant care (9% of income)

Income & Employment

Median Income
$73,421
▲ 18% vs national
Per Capita Income
$41,692
Unemployment Rate
2.3%
Poverty Rate
8.4%

Housing

Median Home Value
$214,900
▼ 22% vs national
Median Rent
Owner Occupied
97.1%
2BR Fair Market Rent
$973/mo
▼ 19% vs national

Fair Market Rents by Bedroom

Studio
$689
1BR
$807
2BR
$973
3BR
$1,333
4BR
$1,380

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
26.3%
▼ 4 ppt vs national
High School+
54.2%
Median Age
59.3
Avg. Commute

Childcare Costs

Infant (Center)
$6,469/yr
9% of income
Toddler (Center)
$6,469/yr
Preschool (Center)
$5,385/yr
School-Age (Center)
$5,603/yr

What This Means

Spruce, MI receives an overall affordability grade of B- (69/100), aggregated from 1 ZIP codes with a total population of 1,139. This area performs well in rent and childcare. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Spruce ZIP Codes
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What are common questions about this dashboard?

Is Spruce, MI affordable?
Spruce, MI receives an overall affordability grade of B- (69/100) based on Census, HUD, FBI, and DOL data. Median household income is $73,421. Median home value is $214,900.
What is the cost of living in Spruce?
Key cost metrics: 2BR fair market rent $973/mo. Infant childcare $6,469/yr. Median home value $214,900.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →