Cost of Living in Spirit Lake, IA

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A+
3%
Overall NAT. AVG.
0%
Groceries NAT. AVG.
10%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Spirit Lake Iowa National
Cost of living9789100
Groceries10097100
Health care10196100
Housing9074100
Transportation9797100
Utilities10695100
Lifestyle & Entertainment9995100
Household Items9797100
Education & Childcare10494100
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Homes For Sale In Spirit Lake, IA

property for sale

1761 260th Ave

Spirit Lake, IA
property for sale

1502 Memphis Ave #26

Spirit Lake, IA
property for sale

1502 Memphis Ave #7

Spirit Lake, IA
property for sale

3102 Spruce Ct Unit A

Spirit Lake, IA

Cost Of Living Quick Facts

  • The cost of living in Spirit Lake is 9% higher than the Iowa average
  • The cost of living in Spirit Lake is 3% lower than the national average
  • Spirit Lake housing is 10% lower than the national average
  • Iowa general sales tax is 18% higher than the national average
  • Iowa state income tax is 69% higher than the national average

Most Affordable Places to Live in and Around Spirit Lake

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      The best places in Iowa

      Here are the best places to live in IowaThese are the largest cities in IowaCheck out the 10 most dangerous cities in IowaSee the best places to live in Spirit Lake
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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$95,934$7,995$2,238$2,878
      Renters$46,122$3,844$1,076$1,384
      A good way to judge both the affordability of the housing and the cost of living in Spirit Lake is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Spirit Lake has a median income of about $95,934 for people who own homes. Based on that number, a maximum of $2,238 should be spent on expenses related to housing. Renters have a slightly different median income, which is $46,122. Based on this average, renters should spend no more than $1,076 on all rental costs if they want to maintain a non-impoverished standard of living.

      Iowa Sales Tax

      State General Sales Tax With Max Surtax
      Iowa 6% 7%

      Iowa Income Tax

      State Income Tax (Low) Income Tax (High)
      Iowa 4.4% 6%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Superior, IA2588317.0%
      Terril, IA3568614.2%
      Estherville, IA5,8538613.6%
      Jackson, MN3,302909.8%
      Fostoria, IA1868712.9%
      Spirit Lake, IA5,248972.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Kenneth City, FL5,2481054.9%
      Grandwood Park, IL5,24711212.3%
      Collegeville, PA5,24912019.7%
      Summit, AZ5,2508613.8%
      Oak Point, TX5,25012323.3%
      Spirit Lake, IA5,248972.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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