House Prices

House Prices & Home Values Spirit Lake, IA 2026


Average Data

average house price$161,624
average size per house1981 ft²
average price per ft²82 $ / ft²

04/05/2026 - The value range (VR) for house prices in Spirit Lake, IA is $67/ sqft to $67/ sqft. An average home with 1981 sqft costs approximately $132,727 to $132,727. Spirit Lake, IA includes 1 ZIP codes and it is located in Dickinson county. The lowest prices are found in ZIP 51360, while the highest are in ZIP 51360. The average price per sqare feet is $82. Our analysis is based on 17 property listings.

Avergage prices by ZIP codes Spirit Lake

5136065 $ / ft²




Historical development of home values in Spirit Lake

Year Estimated value (USD) Change vs. 2025
2010 $75,061 -53.6%
2011 $72,158 -55.4%
2012 $71,964 -55.5%
2013 $74,654 -53.8%
2014 $78,366 -51.5%
2015 $82,388 -49.0%
2016 $86,688 -46.4%
2017 $91,367 -43.5%
2018 $96,418 -40.3%
2019 $100,889 -37.6%
2020 $106,104 -34.4%
2021 $120,682 -25.3%
2022 $140,688 -13.0%
2023 $148,362 -8.2%
2024 $156,945 -2.9%
2025 $161,624 0.0%

Graph: estimated home values in Spirit Lake over time (USD)



Example: 100% financing house in Spirit Lake

Loan amount: $161,624

Interest rate: 6.00%

Fixed monthly payment: $969.02

Breakdown in the 1st month:
Interest portion: $808.12  –  Principal portion: $160.90

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $9,643.45 $1,984.76 $159,639.24
2 $9,521.03 $2,107.18 $157,532.06
3 $9,391.07 $2,237.14 $155,294.92
4 $9,253.08 $2,375.13 $152,919.79
5 $9,106.59 $2,521.62 $150,398.17
6 $8,951.06 $2,677.15 $147,721.03
7 $8,785.94 $2,842.27 $144,878.76
8 $8,610.64 $3,017.57 $141,861.19
9 $8,424.52 $3,203.69 $138,657.50
10 $8,226.93 $3,401.29 $135,256.22
11 $8,017.14 $3,611.07 $131,645.15
12 $7,794.42 $3,833.79 $127,811.36
13 $7,557.96 $4,070.25 $123,741.10
14 $7,306.91 $4,321.30 $119,419.81
15 $7,040.39 $4,587.82 $114,831.98
16 $6,757.42 $4,870.79 $109,961.19
17 $6,457.00 $5,171.21 $104,789.98
18 $6,138.05 $5,490.16 $99,299.82
19 $5,799.43 $5,828.78 $93,471.04
20 $5,439.92 $6,188.29 $87,282.76
21 $5,058.24 $6,569.97 $80,712.79
22 $4,653.02 $6,975.19 $73,737.60
23 $4,222.81 $7,405.40 $66,332.20
24 $3,766.06 $7,862.15 $58,470.05
25 $3,281.14 $8,347.07 $50,122.98
26 $2,766.31 $8,861.90 $41,261.07
27 $2,219.73 $9,408.48 $31,852.59
28 $1,639.43 $9,988.78 $21,863.81
29 $1,023.35 $10,604.86 $11,258.95
30 $369.26 $11,258.95 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Spirit Lake, IA


1500 sqft3900 sqft
Ø selling price$148,830$316,602
Ø fast selling$135,300$284,942
Ø high price sale$162,360$348,263

In 2026, houses in Spirit Lake, IA will be offered at an average price of $82 per square foot. A 1,500 sqft home priced at $148,830 is 22.24% more expensive per square foot than a 3,900 sqft home priced at $316,602. Home prices in Spirit Lake, IA vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $219,187. Sellers who can wait longer may achieve a higher price of up to $267,895.


Spirit Lake, IA Travel Guide

Overview

Spirit Lake, IA is a vibrant gateway to the Iowa Great Lakes, centered around Big Spirit Lake, the state?s largest natural lake. It sits in Dickinson County and delivers small-town charm with year-round recreation, scenic shorelines, and friendly Midwestern hospitality.

Outdoor Recreation

Anglers flock here for walleye, perch, and bass on Big Spirit Lake, with easy access to public boat ramps and ice fishing in winter.
Boating, paddleboarding, and sailing are popular in summer, while miles of multi-use trails connect parks, beaches, and neighboring lake towns. Birders and nature lovers enjoy prairie restorations and wetlands that host migratory waterfowl and striking sunsets.

Community and Culture

Downtown offers local shops, cafes, and seasonal events, with nearby Arnolds Park attractions just minutes away on West Lake Okoboji. The city?s manufacturing heritage includes outdoor and powersports brands, and a growing entrepreneurial scene supports year-round jobs. Families appreciate quality schools, well-kept neighborhoods, and lakefront amenities that make weekend getaways feel like everyday living.

Planning Your Visit

Visitors can choose from lakeside resorts, cozy cabins, and campgrounds, with peak travel in summer and popular winter festivals extending the fun. Whether you come to fish, boat, bike, or simply relax by the water, Spirit Lake, Iowa delivers an inviting Midwest lake-town experience.



FAQ – Home Values in Spirit Lake

What is the median home value in Spirit Lake in 2026?

In 2026, the typical home value in Spirit Lake is about $161,624 for an average home size of 1981 square feet. This corresponds to an average price of roughly $82 per square foot.

What is the average cost per square foot in Spirit Lake?

In 2026, homes in Spirit Lake sell for an average of around $82 per square foot, with a typical range between $67 and $67 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Spirit Lake is about 1981 square feet, with an estimated 2026 value around $161,624.



Locations close to Spirit Lake, IA

Superior, IA65 $ / ft²
Terril, IA72 $ / ft²
Wallingford, IA83 $ / ft²
Ruthven, IA90 $ / ft²
Royal, IA61 $ / ft²
Okoboji, IA440 $ / ft²
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