Local
Learn about the people, housing, costs and businesses in Spirit Lake Community, Iowa
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Spirit Lake Community.
True all-in cost — P&I, taxes, insurance & utilities for homes in Spirit Lake Community.
Find and compare lenders active near Spirit Lake Community.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Spirit Lake Community.
Seismic risk and earthquake insurance estimates for Spirit Lake Community.
Wildfire exposure and insurance estimates for Spirit Lake Community.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Spirit Lake Community is approximately 7.013% (7.053% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Spirit Lake CommunityThe median home value in Spirit Lake Community is $207k. The median monthly rent is $1,041. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Spirit Lake Community have increased 21.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $979/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $42k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Spirit Lake Community is $69k/year.
Calculate your buying powerThe largest employment sectors in Spirit Lake Community are public administration (21%) and retail (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.