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📍 Spruce Creek, PA · Zillow ZHVI · July 2026

Average Home Price in
Spruce Creek, PA

Huntingdon, PA metro area · Huntingdon County County

Median Home Value
$197,486
↑ 0.8% year-over-year
vs. National Median
$410,000
Spruce Creek is 52% below
Est. Monthly Payment
$1,030/mo
20% down · 6.8% rate
Income Needed
$52K
gross annual (30% rule)
Median Home Value
$197,486
↑ 0.8% year-over-year
Down Payment (20%)$39,497
Monthly P&I$1,030/mo
With Taxes & Ins.~$1,308/mo
Income Needed$52,320/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Spruce Creek, PA

The median home value in Spruce Creek, PA is $197,486 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.8% compared to a year ago and up 6.2% from two years prior.

Compared to the U.S. national median of $410,000, homes in Spruce Creek are priced52% below average. Spruce Creek is part of the Huntingdon, PA metro area.

City Comparison

Spruce Creek vs. National Median

🏠 Spruce Creek
$197,486
National Median
$410,000

At $197,486, homes in Spruce Creek cost 52% below the national median of $410,000. This makes Spruce Creek a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Spruce Creek?

20% Down Payment
$39,497
on $197,486
Monthly P&I
$1,030/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,308/mo
incl. taxes & insurance
Income Needed
$52,320
gross annual (30% rule)
10% Down Option
$19,749
+ PMI applies
Loan Amount (20% dn)
$157,989
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Spruce Creek, PA?
The median home value in Spruce Creek is $197,486 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.8% year-over-year.
How much have home prices changed in Spruce Creek?
Over the past year, home values in Spruce Creek have increased by 0.8%.
How much do I need to earn to buy a home in Spruce Creek?
To comfortably afford the median home price of $197,486 with a 20% down payment ($39,497) at today's rates (6.8%), you'd need a gross annual income of approximately $52,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Spruce Creek compare to the national average home price?
The national median home value is approximately $410,000. At $197,486, homes in Spruce Creek are 52% below the national average.
What metro area is Spruce Creek part of?
Spruce Creek is part of the Huntingdon, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.