Median home value in zip code 51351 (West Okoboji, IA) is $324,801, up 3.2% year over year. Part of the Spirit Lake, IA metropolitan area.

Home Value$324,801

YoY Change

+3.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 51351 (West Okoboji).

Income (annual)

Down Payment

$64,960 on $324,801

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

Stretch35.5% of income

Above 28% but manageable with cuts.

PITI$2,217

P/I35.5%

Afford$256K

Gap-$68K

P&I $1,642Tax $425Ins $150

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

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

Metro Analysis

51351 is part of the Spirit Lake, IA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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