Spruce Pine, NC Real Estate & Schools — Score 66/100 | ValiFit

Community Pricing

Loading town data...

Spruce Pine, NC — Key Facts

Spruce Pine, NC has a population of approximately 2,192.

The median home sale price in Spruce Pine is $340K (Source: Redfin, 2025).

To purchase the median home in Spruce Pine, a household would need an estimated annual income of $101,219, based on a 20% down payment, a 6.00% mortgage rate (Source: FRED), and a 28% front-end DTI ratio.

The estimated monthly mortgage payment (PITI) for the median home is $2,362, including principal, interest, property tax, and insurance.

The estimated annual property tax on the median home is $7,582 (Source: NC Division of Taxation, effective rate: 2.23%).

FHA loan eligibility at the median price: Yes (Source: HUD FHA Loan Limits, 2026).

School investment score: 76/100, measuring per-pupil spending and student-teacher ratios (Source: NCES F-33 Survey).

Safety infrastructure score: 92/100, based on police, fire, and EMS staffing levels (Sources: FBI UCR, NFPA, NASEMSO).

Healthcare access score: 56/100, evaluating hospital proximity, provider ratios, and shortage area designations (Sources: HRSA, County Health Rankings).

Market appreciation score: 40/100, derived from 6.1M Redfin market records across 50 states.

This data is provided by ValiFit and is not financial advice. Actual mortgage qualification depends on individual lender requirements, credit history, and outstanding debts.

Calculators

Mortgage
Property Tax
Closing Costs
HOA
ROI
Rental
Moving Costs
Offer Worksheet

Research

Schools
Crime & Safety
Flood Zones
Demographics
Parcel Explorer
Data Sources

Buyers & Renters

Start Intake
Search Properties
Browse Towns
Compare Properties
Wishlist
Saved Searches

Agents

Agent Onboarding
CRM
Lead Inbox
Listings

Company

About
How It Works
Features
Pricing
Careers
Contact
Help

Legal

Terms of Service
Privacy Policy
Cookie Policy

© 2026 ValiFit. All rights reserved.

[email protected]

ValiFit is a technology platform and marketing service, not a licensed real estate brokerage. Agents using ValiFit remain solely responsible for compliance with applicable state real estate laws and their brokerage's policies.

Spruce Pine, NC Real Estate & Schools — Score 66/100 | ValiFit