Spruce, Alpena County, Michigan Property Taxes
Property Taxes in Spruce, Michigan
Median Spruce, Michigan effective property tax rate: 0.79%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Spruce, Michigan home value: $151,300
Median annual Spruce, Michigan tax bill: $1,260, lower by $1,140 than the national median property tax bill of $2,400.
How are property taxes in Alpena calculated?
Property taxes in Spruce, Michigan are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Spruce's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Spruce, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Spruce, Alpena County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.79%
Estimate Property Tax Bill
$1,195
$1,109
How Does the Spruce Property Tax Calculator Work?
Use this Spruce property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Spruce's median effective tax rate of 0.79% — based on actual property records in Alpena County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Spruce's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Spruce: rates range from 0.79% in 48762 to 0.79% in 48762, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Spruce.
About Spruce Property Taxes
About Property Taxes in Spruce, Alpena, Michigan
Spruce’s median effective property tax rate of 0.79% is lower than the Michigan state median of 1.05% and lower than the national median of 1.02%. This rate reflects the Alpena County base levy combined with local school district levies and Tax increment finance districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Spruce. Homeowners in the 48762 ZIP code carry a median effective rate of 0.79%, while those in the same ZIP code also pay 0.79%. This spread reflects how school district boundaries and local assessment districts are drawn across Alpena County. Understanding which part of Spruce you live in can make a meaningful difference to your annual tax bill.
Spruce homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the March 9, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Spruce, Alpena County, Michigan
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Spruce's effective property tax rate to other cities in Michigan and the median property tax rates in Michigan and the U.S.
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Spruce Tax Rate
0.79%
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Alpena County Tax Rate
1.01%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Spruce, Alpena County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48762 | 0.63% | 0.70% | 0.79% | 1.09% | 1.34% |
Source: Ownwell
Property Tax Assessment Values Across Spruce, Alpena County, Michigan
When examining property taxes in Spruce, Michigan, understanding the distinction between “market value” and “assessed value” is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Alpena County assessment process estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Alpena County, assessment notices are sent in February each year. They’ll typically reach your mailbox by the middle of February.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. The median home price in Spruce is $151,300, with tax bills ranging across the county. ZIP code 48762 has the highest median home price at $151,300.
Property Tax Assessment Values Across Spruce, Alpena County, Michigan
Source: Ownwell
$124,500
$144,000
$163,500
Median Spruce Market Value
$151,300
Median Alpena County Market Value
$141,400
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Spruce, Alpena County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48762 | $38,380 | $93,150 | $151,300 | $218,100 | $297,280 |
Source: Ownwell
Property Tax Bills Across Spruce, Alpena County, Michigan
Property tax bills in Spruce are calculated from a home’s assessed value and the local tax rate set by taxing authorities. The assessed value is based on the market value of the property, and that figure is multiplied by the applicable rate to determine the annual bill. Local levies for schools, county services, and other public needs can all affect the final amount homeowners pay.
For a home with a median home price of $151,300, the tax bill can vary widely depending on the property and its location within the county. In this area, the 25th percentile tax bill is $746, the 75th percentile is $1,784, and the 90th percentile is $2,431. The median tax bill is $1,260, which is below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%. Higher assessed values or higher local rates generally mean a larger bill, which can have a meaningful impact on monthly housing costs for homeowners.
Median Spruce Tax Bill
$1,260
Median Alpena County Tax Bill
$1,482
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Spruce, Alpena County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48762 | $375 | $746 | $1,260 | $1,784 | $2,431 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Alpena Tax Assessor | |
| Website | bsaonline.com |