The median home in Spirit Lake, Iowa is valued at $321,992, up 0.2% year over year. Spirit Lake is part of the Spirit Lake, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Spirit Lake, IA stress score, crash risk, and 12-month forecast →

Home Value$321,992

+0.2%

AFFORDABILITY

Enter your income for Spirit Lake.

Income (annual)

Down Payment

$64,398 on $321,992

Stretch — 35.2% of income

Above 28% but manageable with cuts.

PITI$2,199

P/I35.2%

Afford$256K

Gap-$66K

P&I $1,628Tax $421Ins $150

6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Spirit Lake with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Spirit Lake, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Spirit Lake, IA metro.

View Spirit Lake, IA metro →

SPIRIT LAKE, IA