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Spirit Lake, IA
Full City Profile · Iowa · Dickinson County County
3.5
/5.0
B+
Good
5,469
Population
1,210/sq mi density
$73,627
Median Income
$41,566 per capita
$218,400
Home Value
$321,161 Zillow
$885
Median Rent
20.2% income on rent
46°F
Avg Temperature
291 sunny days/yr
589
Violent Crime/100K
1,413 property/100K
B+
Overall
3.5 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
4.5 / 5.0
$73,627 median income, 1.5% unemployment
A+
Affordability
5.0 / 5.0
$218,400 home value, $885/mo rent
F
Safety
1.0 / 5.0
589 violent crimes/100K (55% above avg)
B+
Education
3.6 / 5.0
32.0% bachelor's degree or higher
Housing Overview
Median Home Value
$218,400
23% below
US avg: $281,900
Median Rent
$885/mo
24% below
US avg: $1,163/mo
Homeownership Rate
66.2%
1% above US avg (65.4%)
Total Housing Units
2,834
Median year built: 1977
Home Value by Source
Census Median
$218,400
Zillow (ZHVI)
$321,161
Median Sale Price
$161,250
Median List Price
$412,000
Census ACS, Zillow ZHVI, Redfin median sale price
Ownership vs. Renting
66.2%
Owner-Occupied
33.8%
Renter-Occupied
US avg: 65.4% owner-occupied
Fair Market Rents (HUD FY2026)
Studio
$738/mo
1 Bedroom
$788/mo
2 Bedroom
$989/mo
3 Bedroom
$1,282/mo
4 Bedroom
$1,420/mo
Census median rent:
$885/mo
Market Indicators (Redfin)
Median Days on Market
143 days
Sale-to-List Ratio
0.9%
Buyers market
Homes Sold
4
Price Drops
0.0%
of listings with price reduction
Price Per Sq Ft
$159
Active Inventory
24
homes for sale
Affordability & Housing Stock
Rent Burden
20.2%
of renters spending 30%+ of income on housing
35% below US avg (31.0%)
Median Year Built
1977
Average age of housing stock: 49 years
Homeownership Rate
66.2%
Complete Housing Data
Home Values
| Census Median Value | $218,400 |
| Zillow Home Value (ZHVI) | $321,161 |
| Median Sale Price | $161,250 |
| Median List Price | $412,000 |
| Price Per Sq Ft | $159 |
Rent
| Census Median Rent | $885 |
| FMR Studio | $738 |
| FMR 1-Bedroom | $788 |
| FMR 2-Bedroom | $989 |
| FMR 3-Bedroom | $1,282 |
| FMR 4-Bedroom | $1,420 |
Market
| Days on Market | 143 |
| Sale-to-List Ratio | 0.9% |
| Price Drops | 0.0% |
| Homes Sold | 4 |
| Active Inventory | 24 |
| Price Per Sq Ft | $159 |
Ownership & Stock
| Owner-Occupied | 66.2% |
| Renter-Occupied | 33.8% |
| Homeownership Rate | 66.2% |
| Total Housing Units | 2,834 |
| Median Year Built | 1977 |
| Rent Burden | 20.2% |