The median home in Spirit Lake, Idaho is valued at $556,396, up 3.7% year over year. Spirit Lake is part of the Coeur d'Alene, ID metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$556,396

+3.7%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$111,279 on $556,396

Example: $75,000 household income. Change it above to see your own.

Out of reach51.3% of income

Need $137,400/yr to afford.

PITI$3,206

P/I51.3%

Afford$304K

Gap-$253K

P&I $2,813Tax $292Ins $100

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

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

Other cities in Idaho

Compare Spirit Lake with other housing markets across Idaho.

Ketchum$1.56M Sun Valley$1.17M Coolin$1.05M Hayden Lake$1.02M Harrison$939K Hailey$871K Victor$867K Tetonia$854K

Full Coeur d'Alene, ID analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Coeur d'Alene, ID metro.

View Coeur d'Alene, ID metro

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Spirit Lake, ID