Median home value: $322K (+0.2% 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$321,992
+0.2%
AFFORDABILITY6.00% 30yr, 20% down, county tax + IA ins. 28% per HUD.
Enter your income for Spirit Lake.
$64,398 on $321,992
Stretch — 33.9% of income
Above 28% but manageable with cuts.
PITI$2,116
P/I33.9%
Afford$266K
Gap-$56K
P&I $1,544Tax $421Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing