Median home value in zip code 51364 (Terril, IA) is $176,208, down 6.2% year over year. Part of the Spirit Lake, IA metropolitan area.

Home Value$176,208

YoY Change

-6.2%

Prices falling — better for buyers.

Affordability

Enter your income for 51364 (Terril).

Income (annual)

Down Payment

$35,242 on $176,208

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

Affordable20.4% of income

Under the 28% guideline.

PITI$1,272

P/I20.4%

Afford$242K

Room+$66K

P&I $891Tax $231Ins $150

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

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

Metro Analysis

51364 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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