Investor-grade market analytics for Spirit Lake, Iowa. Data from Zillow ZHVI, FRED, Census ACS, and FEMA NRI. Updated monthly.
$366,663
+0.5% year-over-year
-6.1%
base case (Zillow ZHVF)
-6.1% year-over-year
Migration: Top 56% nationally
In-migrants avg $78,969 AGI vs out-migrants $61,365
Opportunity Zone Market
1 ZIP codes in Spirit Lake are designated Qualified Opportunity Zones (IRC 1400Z-2), eligible for capital gains tax deferral on qualifying investments. Learn more →
Spirit Lake, IA is in a stabilization phase with 0.5% year-over-year appreciation, suggesting cooling demand and a shift toward balanced conditions. Affordability is moderately stretched with a price-to-income ratio of 4.92x, above the national average of 4.8x. Climate risk remains low (10/100), favorable for long-term investment stability.
12-month projection (Zillow ZHVF model)
Spirit Lake, IA's primary climate exposure is flooding (25/100). The composite climate risk score of 10/100 (Low) indicates overall risk reflecting favorable conditions for long-term real estate investment. This market benefits from relatively low natural hazard exposure compared to coastal and wildfire-prone regions.
Source: FEMA National Risk Index
Migration flows, ZIP-level neighborhood data, full demographics, price history, and the Market Screener.