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Learn about the people, housing, costs and businesses in Samsula-Spruce Creek, Florida
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Samsula-Spruce Creek.
True all-in cost — P&I, taxes, insurance & utilities for homes in Samsula-Spruce Creek.
Find and compare lenders active near Samsula-Spruce Creek.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Samsula-Spruce Creek.
Seismic risk and earthquake insurance estimates for Samsula-Spruce Creek.
Wildfire exposure and insurance estimates for Samsula-Spruce Creek.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Samsula-Spruce Creek is approximately 6.946% (6.984% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Samsula-Spruce CreekThe median home value in Samsula-Spruce Creek is $437k. The median monthly rent is $2,399. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Samsula-Spruce Creek have increased 16.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,524/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $65k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Samsula-Spruce Creek is $107k/year.
Calculate your buying powerThe largest employment sectors in Samsula-Spruce Creek are public administration (27%) and healthcare (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.