Median home value: $405K (+2.3% YoY). Part of Spirit Lake, IA.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Spirit Lake, IA metro page.
Home Value$405,263
+2.3%
AFFORDABILITY6.00% 30yr, 20% down, county tax + IA ins. 28% per HUD.
Enter your income for Okoboji.
$81,053 on $405,263
Out of reach — 42% of income
Need $112,457/yr to afford.
PITI$2,624
P/I42%
Afford$270K
Gap-$135K
P&I $1,944Tax $530Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing