Spirit Lake Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Spirit Lake averaged 5.73% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.04% and one month ago for the week of 2022-05-26, the average rate was 5.03%.

Spirit Lake's average rate one year ago was 3.27%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.6%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Spirit Lake 30 Year Fixed Rate 2022-06-30 5.73%
Spirit Lake 30 Year Fixed Rate Refi 2022-06-30 5.6%
Spirit Lake 15 Year Fixed Rate 2022-06-30 4.7%
Spirit Lake 15 Year Fixed Rate Refi 2022-06-30 4.75%
Spirit Lake 30 Year FHA 2022-06-30 5.63%
Spirit Lake 30 Year FHA Refi 2022-06-30 5.32%
Spirit Lake 30 Year USDA 2022-06-30 5.75%
Spirit Lake 30 Year USDA Refi 2022-06-30 5.38%
Spirit Lake 30 Year VA 2022-06-30 5.35%
Spirit Lake 30 Year VA Refi 2022-06-30 5.35%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Spirit Lake, IA.

Spirit Lake Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Spirit Lake, IA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Northwest Bank 172 3.06% $1,769
Central Bank 62 3.13% $4,053
Tradition Mortgage, LLC 42 3.12% $2,842
Bank Midwest 39 3.03% $2,569
IOWA BANKERS MORTGAGE CORPORATION 34 3.03% $2,403
QUICKEN LOANS, LLC 16 3.09% $5,093
U.S. Bank 16 2.99% $2,759
Plains Commerce Bank 13 2.94% $6,446
Wells Fargo Bank 10 2.95% $2,644
American State Bank 8 2.72% $2,269
GREENSTATE CREDIT UNION 8 3.03% $2,455
Bankers' Bank 8 2.97% $2,242
Paramount Residential Mortgage Group, Inc. 6 2.85% $3,180
First Dakota National Bank 5 3.22% $4,661
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 3.40% $2,966
Flagstar Bank, FSB 4 3.38% $2,444
STEARNS LENDING, LLC 4 2.59% $5,180
Chickasaw Community Bank 4 3.25% $2,752
American National Bank 3 3.50% $2,890
Lincoln Savings Bank 3 3.54% $4,833
CORTRUST MORTGAGE, INC. 3 2.71% $7,305
CRESCENT MORTGAGE COMPANY 3 2.88% $1,433
FREEDOM MORTGAGE CORPORATION 3 2.92% $2,840
HOME POINT FINANCIAL CORPORATION 3 3.17% $2,872
HOMESIDE FINANCIAL, LLC 3 3.29% $2,840
BETTER MORTGAGE CORPORATION 2 3.19% $5,933
AMERISAVE MORTGAGE CORPORATION 2 2.81% $2,644
Bell Bank 2 3.06% $3,388
Bremer Bank 2 3.00% $3,367
CHURCHILL MORTGAGE CORPORATION 2 3.31% $3,533
Deere Employees Credit Union 2 3.06% $3,429
First PREMIER Bank 2 3.19% $6,085
GUARANTEED RATE, INC. 2 3.25% $3,374
LOANDEPOT.COM, LLC 2 3.00% $4,648
Luana Savings Bank 2 2.81% $1,129
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.19% $2,743
Pinnacle Bank 2 2.63% $2,450
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.00% $8,005
SIOUXLAND FEDERAL CREDIT UNION 2 3.00% $3,550
The First National Bank in Sioux Falls 2 2.69% $5,806
United Bank of Iowa 2 2.94% $4,566
West Gate Bank 2 2.81% $2,223
Farmers State Bank 1 3.00% $1,692
SUMMIT FUNDING, INC. 1 2.99% $2,586
Heritage Bank 1 3.88% $11,547
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.25% $3,661
Farm Credit Mid-America, ACA 1 3.40% $7,449
DHI MORTGAGE COMPANY, LTD. 1 2.75% $1,936
CROSSCOUNTRY MORTGAGE, LLC 1 2.99% $3,107
JUSTICE Federal Credit Union 1 3.00% $4,838
LEADERONE FINANCIAL CORPORATION 1 2.88% $2,266
Collins Community Credit Union 1 3.00% $1,579
Bankers Trust Company 1 2.50% $2,093
Barrington Bank & Trust Company, N.A. 1 4.25% $4,161
Manufacturers and Traders Trust Company 1 3.13% $6,161
Manufacturers Bank & Trust Company 1 2.75% $7,454
Morgan Stanley Private Bank 1 2.60% $6,245
Mr. Cooper ( Nationstar Mortgage ) 1 3.38% $5,614
WINGS FINANCIAL 1 3.13% $2,415
CMG MORTGAGE, INC. 1 2.99% $5,313
Paramount Bank 1 3.00% $0
Cambria Financial Group, LLC 1 2.88% $3,435
PENTAGON FEDERAL CREDIT UNION 1 2.88% $1,793
Peoples Bank 1 2.63% $2,471
UNITED WHOLESALE MORTGAGE, LLC 1 2.75% $2,313
CALIBER HOME LOANS, INC. 1 2.63% $1,759
PNC Bank 1 2.38% $62,039
Bank Iowa 1 3.13% $2,035
BROKER SOLUTIONS, INC. 1 2.88% $7,108
Reliabank Dakota 1 3.00% $3,824
SECURITYNATIONAL MORTGAGE COMPANY 1 3.25% $8,219
Sierra Pacific Mortgage Company, Inc. 1 3.38% $3,402
VERIDIAN CREDIT UNION 1 4.13% $1,649
SOFI LENDING CORP. 1 3.25% $5,244
American Bank & Trust 1 2.75% $6,846
First Home Bank 1 3.00% $6,681
First International Bank & Trust 1 6.50% $5,393
Stifel Bank and Trust 1 2.63% $2,042
First Federal Bank 1 2.75% $4,372
FLAT BRANCH MORTGAGE, INC. 1 3.50% $3,135
First Bank 1 2.63% $2,969
Frontier Bank 1 3.00% $2,674
Gateway First Bank 1 3.25% $2,747
GERSHMAN INVESTMENT CORP. 1 2.88% $2,474
Goldman Sachs Bank USA 1 2.85% $3,306
Great Western Bank 1 2.88% $3,368

Spirit Lake, IA's 86 lenders originated 1,212 loans during 2021. The total origination value was $318,800,000, with an average loan value of $263,036.

The top Spirit Lake lender as defined by loan originations is Northwest Bank, with 172 loans originated. Their average total fees are $1,769, which is $2,284 lower than the next largest lender, Central Bank.

The lowest fee Spirit Lake lenders (with over 10 loans originated) are Northwest Bank ($1,769), IOWA BANKERS MORTGAGE CORPORATION ($2,403), Bank Midwest ($2,569), Wells Fargo Bank ($2,644) and U.S. Bank ($2,759).

The lowest rate Spirit Lake lenders (with over 10 loans originated) are Plains Commerce Bank (2.94%), Wells Fargo Bank (2.95%), U.S. Bank (2.99%), IOWA BANKERS MORTGAGE CORPORATION (3.03%) and Bank Midwest (3.03%).

Spirit Lake, IA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Northwest Bank $146,115,000 $97,070,000 -33.6% 30.4%
Central Bank $66,915,000 $36,300,000 -45.8% 11.4%
Bank Midwest $18,750,000 $18,235,000 -2.7% 5.7%
Tradition Mortgage, LLC $17,545,000 $17,115,000 -2.5% 5.4%
IOWA BANKERS MORTGAGE CORPORATION $20,965,000 $16,545,000 -21.1% 5.2%
U.S. Bank $5,220,000 $9,290,000 78.0% 2.9%
QUICKEN LOANS, LLC $10,675,000 $9,090,000 -14.8% 2.9%
Wells Fargo Bank $8,155,000 $7,160,000 -12.2% 2.2%
Plains Commerce Bank $4,385,000 $6,625,000 51.1% 2.1%
First Dakota National Bank $6,805,000 $4,995,000 -26.6% 1.6%
American State Bank $9,485,000 $4,580,000 -51.7% 1.4%
United Bank of Iowa $810,000 $4,550,000 461.7% 1.4%
FREEDOM MORTGAGE CORPORATION $1,900,000 $4,300,000 126.3% 1.3%
The First National Bank in Sioux Falls $1,305,000 $4,125,000 216.1% 1.3%
Community Bank Mankato $480,000 $3,300,000 587.5% 1.0%
GREENSTATE CREDIT UNION $5,985,000 $3,220,000 -46.2% 1.0%
Bankers' Bank $2,810,000 n/a 0.9%
Paramount Residential Mortgage Group, Inc. $300,000 $2,735,000 811.7% 0.9%
Lincoln Savings Bank $1,320,000 $2,285,000 73.1% 0.7%
Peoples Bank $1,760,000 $2,030,000 15.3% 0.6%
PNC Bank $1,935,000 n/a 0.6%
The Security National Bank of Sioux City, Iowa $3,880,000 $1,810,000 -53.4% 0.6%
First PREMIER Bank $2,735,000 $1,720,000 -37.1% 0.5%
SIOUXLAND FEDERAL CREDIT UNION $1,485,000 $1,600,000 7.7% 0.5%
CORTRUST MORTGAGE, INC. $880,000 $1,575,000 79.0% 0.5%
LOANDEPOT.COM, LLC $555,000 $1,530,000 175.7% 0.5%
STEARNS LENDING, LLC $265,000 $1,515,000 471.7% 0.5%
Chickasaw Community Bank $115,000 $1,395,000 1,113.0% 0.4%
Flagstar Bank, FSB $630,000 $1,365,000 116.7% 0.4%
Morgan Stanley Private Bank $1,315,000 n/a 0.4%
AMERISAVE MORTGAGE CORPORATION $1,290,000 n/a 0.4%
Luana Savings Bank $2,100,000 $1,230,000 -41.4% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,900,000 $1,115,000 -77.2% 0.3%
Goldman Sachs Bank USA $1,125,000 $1,105,000 -1.8% 0.3%
BETTER MORTGAGE CORPORATION $465,000 $1,090,000 134.4% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $1,515,000 $1,010,000 -33.3% 0.3%
The Federal Savings Bank $1,350,000 $990,000 -26.7% 0.3%
Farm Credit Mid-America, ACA $830,000 $950,000 14.5% 0.3%
Heritage Bank $830,000 $915,000 10.2% 0.3%
American Bank & Trust $955,000 $875,000 -8.4% 0.3%
SECURITYNATIONAL MORTGAGE COMPANY $875,000 n/a 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $380,000 $860,000 126.3% 0.3%
GUARANTEED RATE, INC. $365,000 $800,000 119.2% 0.3%
HOMEOWNERS FINANCIAL GROUP USA, LLC $130,000 $800,000 515.4% 0.3%
GERSHMAN INVESTMENT CORP. $710,000 $780,000 9.9% 0.2%
Bremer Bank $335,000 $770,000 129.9% 0.2%
CRESCENT MORTGAGE COMPANY $760,000 n/a 0.2%
First Bank & Trust $245,000 $715,000 191.8% 0.2%
VisionBank of Iowa $225,000 $700,000 211.1% 0.2%
Washington State Bank $690,000 n/a 0.2%
F & M Community Bank $175,000 $665,000 280.0% 0.2%
Bell Bank $285,000 $660,000 131.6% 0.2%
Stifel Bank and Trust $650,000 n/a 0.2%
Frontier Bank $620,000 $640,000 3.2% 0.2%
VERIDIAN CREDIT UNION $1,160,000 $640,000 -44.8% 0.2%
MidFirst Bank $635,000 n/a 0.2%
Pinnacle Bank $1,125,000 $610,000 -45.8% 0.2%
Mortgage Research Center, LLC $1,425,000 $600,000 -57.9% 0.2%
West Gate Bank $1,155,000 $590,000 -48.9% 0.2%
HOME POINT FINANCIAL CORPORATION $1,425,000 $575,000 -59.6% 0.2%
First Federal Bank $570,000 n/a 0.2%
Dacotah Bank $540,000 $545,000 0.9% 0.2%
Washington County Bank $545,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $530,000 n/a 0.2%
American National Bank $755,000 $525,000 -30.5% 0.2%
BankVista $505,000 n/a 0.2%
Midstates Bank $505,000 n/a 0.2%
SOFI LENDING CORP. $490,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $105,000 $475,000 352.4% 0.1%
CALIBER HOME LOANS, INC. $1,205,000 $465,000 -61.4% 0.1%
Green Belt Bank & Trust $460,000 n/a 0.1%
Bankers Trust Company $680,000 $455,000 -33.1% 0.1%
Arbor Bank $470,000 $435,000 -7.4% 0.1%
BLACK HILLS FEDERAL CREDIT UNION $425,000 n/a 0.1%
DHI MORTGAGE COMPANY, LTD. $425,000 n/a 0.1%
UNITED WHOLESALE MORTGAGE, LLC $410,000 $425,000 3.7% 0.1%
Deere Employees Credit Union $420,000 n/a 0.1%
GUILD MORTGAGE COMPANY $460,000 $420,000 -8.7% 0.1%
Great Western Bank $1,505,000 $415,000 -72.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $175,000 $415,000 137.1% 0.1%
PLANET HOME LENDING, LLC $415,000 n/a 0.1%
FLAT BRANCH MORTGAGE, INC. $405,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $390,000 n/a 0.1%
Truist Bank $390,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $880,000 $380,000 -56.8% 0.1%
Mr. Cooper ( Nationstar Mortgage ) $380,000 n/a 0.1%
First Guaranty Mortgage Corporation $350,000 n/a 0.1%
CMG MORTGAGE, INC. $340,000 n/a 0.1%
Collins Community Credit Union $760,000 $325,000 -57.2% 0.1%
Flanagan State Bank $1,210,000 $325,000 -73.1% 0.1%
Paramount Bank $325,000 n/a 0.1%
Availa Bank $2,270,000 $305,000 -86.6% 0.1%
Bank Iowa $920,000 $305,000 -66.8% 0.1%
WINGS FINANCIAL $720,000 $305,000 -57.6% 0.1%
ALLIANT $275,000 $300,000 9.1% 0.1%
Barrington Bank & Trust Company, N.A. $150,000 $295,000 96.7% 0.1%
First International Bank & Trust $285,000 n/a 0.1%
Manufacturers Bank & Trust Company $305,000 $285,000 -6.6% 0.1%
Think Mutual Bank $285,000 n/a 0.1%
First Bank $275,000 n/a 0.1%
VOYAGE FEDERAL CREDIT UNION $275,000 n/a 0.1%
BankFirst $450,000 $255,000 -43.3% 0.1%
Cambria Financial Group, LLC $255,000 n/a 0.1%
Core Bank $440,000 $255,000 -42.0% 0.1%
Farmers State Bank $345,000 $255,000 -26.1% 0.1%
Manufacturers and Traders Trust Company $255,000 n/a 0.1%
Midwest Heritage Bank FSB $135,000 $255,000 88.9% 0.1%
Bank of the West $235,000 $245,000 4.3% 0.1%
JUSTICE Federal Credit Union $245,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $225,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $225,000 n/a 0.1%
Gateway First Bank $435,000 $215,000 -50.6% 0.1%
UNIVERSAL LENDING CORPORATION $195,000 $200,000 2.6% 0.1%
BankIowa of Cedar Rapids $185,000 n/a 0.1%
FIRST $350,000 $175,000 -50.0% 0.1%
Fortress Bank $1,085,000 $175,000 -83.9% 0.1%
BROKER SOLUTIONS, INC. $360,000 $165,000 -54.2% 0.1%
First Home Bank $165,000 n/a 0.1%
GNB Bank $155,000 n/a 0.0%
NEWREZ LLC $155,000 $155,000 0.0% 0.0%
SUMMIT FUNDING, INC. $155,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $115,000 $145,000 26.1% 0.0%
ROYAL UNITED MORTGAGE LLC $145,000 n/a 0.0%
Arvest Bank $135,000 n/a 0.0%
Centier Bank $135,000 n/a 0.0%
Peoples Bank $1,760,000 $125,000 -92.9% 0.0%
Sierra Pacific Mortgage Company, Inc. $125,000 n/a 0.0%
CROSSCOUNTRY MORTGAGE, LLC $1,500,000 $115,000 -92.3% 0.0%
Premier Bank $95,000 n/a 0.0%
Reliabank Dakota $165,000 $95,000 -42.4% 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $95,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $190,000 $85,000 -55.3% 0.0%
AMERICAN ADVISORS GROUP $65,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $45,000 n/a 0.0%
Great Southern Bank $310,000 $35,000 -88.7% 0.0%
Figure Lending LLC $25,000 n/a 0.0%
Glenwood State Bank $25,000 n/a 0.0%

Spirit Lake's top lender by overall market share is Northwest Bank, with 30.4% market share. In second place, with 11.4%, is Central Bank, having originated $36,300,000 in loans. In third place, with 5.7%, is Bank Midwest, having originated $18,235,000 in loans. In third place, with 5.4%, is Tradition Mortgage, LLC, having originated $17,115,000 in loans. In third place, with 5.2%, is IOWA BANKERS MORTGAGE CORPORATION, having originated $16,545,000 in loans.


Spirit Lake, IA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 507 $151,585,000 $298,984
Refi 419 $112,195,000 $267,768
Cash Out Refi 171 $42,065,000 $245,994
Home Improvement 70 $5,030,000 $71,857
Other 45 $7,925,000 $176,111

Spirit Lake's most frequently cited loan purpose was Home Purchase, with 507 originations. The 2nd most popular reason was Refi, with 419 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 438 $120,620,000 $275,388
3-4% 378 $102,370,000 $270,820
<2.5% 295 $71,345,000 $241,847
4-5% 57 $10,755,000 $188,684
5-6% 10 $1,930,000 $193,000
6-7% 4 $520,000 $130,000
7-8% 4 $120,000 $30,000

During 2021, Spirit Lake's most frequently originated rate bucket was 2.5-3%, with 438 originations.

Loan Sizing (Spirit Lake, IA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 405 $112,555,000 $277,914
$100k-200k 395 $58,005,000 $146,848
$100,000 or less 208 $12,560,000 $60,385
$400k-600k 146 $70,260,000 $481,233
$600k-1000k 29 $22,245,000 $767,069
$Over $1MM 29 $43,175,000 $1,488,793

Spirit Lake's loan sizing saw the bucket of loans from $200k-400k with 405 originations, totaling $112,555,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 413 $122,235,000 $295,969
80-100% 354 $97,150,000 $274,435
40-60% 193 $53,475,000 $277,073
20-40% 115 $24,395,000 $212,130
Under 20% 93 $7,145,000 $76,828
Over 100% 3 $585,000 $195,000

Spirit Lake's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 413 originations, totaling $122,235,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Spirit Lake (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $245,000 (-1.9%) $406,529 (5.1%) 0.00 223
2018-02-01 $246,250 (-1.9%) $421,166 (10.0%) 0.00 226
2018-03-01 $279,900 (10.9%) $466,974 (27.7%) 0.00 211
2018-04-01 $299,000 (15.4%) $486,899 (20.7%) 0.00 229
2018-05-01 $304,900 (15.3%) $491,022 (12.6%) 0.00 228
2018-06-01 $319,000 (25.3%) $492,291 (12.7%) 0.00 241
2018-07-01 $324,900 (30.0%) $493,833 (15.6%) 0.00 235
2018-08-01 $322,200 (28.9%) $431,149 (-2.1%) 0.00 245
2018-09-01 $324,900 (25.2%) $434,982 (-1.4%) 0.00 236
2018-10-01 $338,500 (29.3%) $446,308 (2.3%) 0.00 225
2018-11-01 $337,450 (36.2%) $436,547 (4.2%) 0.00 205
2018-12-01 $332,000 (36.1%) $435,912 (5.9%) 0.00 181
2019-01-01 $324,500 (32.5%) $432,071 (6.3%) 0.00 162
2019-02-01 $322,200 (30.8%) $422,020 (0.2%) 0.00 173
2019-03-01 $323,800 (15.7%) $418,609 (-10.4%) 0.00 204
2019-04-01 $329,000 (10.0%) $420,878 (-13.6%) 0.00 237
2019-05-01 $329,450 (8.1%) $429,593 (-12.5%) 0.00 264
2019-06-01 $329,000 (3.1%) $463,703 (-5.8%) 0.00 278
2019-07-01 $312,000 (-4.0%) $449,352 (-9.0%) 0.00 298
2019-08-01 $296,143 (-8.1%) $438,335 (1.7%) 0.00 302
2019-09-01 $281,643 (-13.3%) $421,987 (-3.0%) 0.00 301
2019-10-01 $279,000 (-17.6%) $430,126 (-3.6%) 0.00 262
2019-11-01 $274,000 (-18.8%) $425,675 (-2.5%) 0.00 231
2019-12-01 $264,750 (-20.3%) $395,368 (-9.3%) 0.00 195
2020-01-01 $285,000 (-12.2%) $419,455 (-2.9%) 0.00 167
2020-02-01 $288,500 (-10.5%) $419,301 (-0.6%) 0.00 171
2020-03-01 $277,250 (-14.4%) $404,656 (-3.3%) 0.00 174
2020-04-01 $307,000 (-6.7%) $424,743 (0.9%) 0.00 192
2020-05-01 $295,500 (-10.3%) $497,677 (15.9%) 0.00 215
2020-06-01 $329,950 (0.3%) $552,499 (19.2%) 0.00 194
2020-07-01 $313,250 (0.4%) $546,185 (21.6%) 0.00 191
2020-08-01 $269,500 (-9.0%) $487,101 (11.1%) 0.00 163
2020-09-01 $256,250 (-9.0%) $470,246 (11.4%) 0.00 134
2020-10-01 $254,500 (-8.8%) $475,576 (10.6%) 0.00 119
2020-11-01 $258,000 (-5.8%) $506,652 (19.0%) 0.00 101
2020-12-01 $250,000 (-5.6%) $502,391 (27.1%) 0.00 90
2021-01-01 $250,000 (-12.3%) $397,632 (-5.2%) 0.00 81
2021-02-01 $249,750 (-13.4%) $352,332 (-16.0%) 0.00 79
2021-03-01 $254,750 (-8.1%) $444,681 (9.9%) 0.00 60
2021-04-01 $245,000 (-20.2%) $436,496 (2.8%) 0.00 61
2021-05-01 $245,000 (-17.1%) $410,386 (-17.5%) 0.00 60
2021-06-01 $278,000 (-15.7%) $637,844 (15.5%) 0.00 51
2021-07-01 $285,000 (-9.0%) $637,210 (16.7%) 0.00 56
2021-08-01 $287,250 (6.6%) $505,130 (3.7%) 0.00 77
2021-09-01 $289,900 (13.1%) $464,856 (-1.2%) 0.00 95
2021-10-01 $289,900 (13.9%) $485,222 (2.0%) 0.00 91
2021-11-01 $289,900 (12.4%) $491,676 (-3.0%) 0.00 69
2021-12-01 $289,900 (16.0%) $486,169 (-3.2%) 0.00 63
2022-01-01 $289,900 (16.0%) $471,449 (18.6%) 0.00 54
2022-02-01 $289,900 (16.1%) $353,618 (0.4%) 0.00 52
2022-03-01 $289,900 (13.8%) $394,082 (-11.4%) 0.00 51
2022-04-01 $314,900 (28.5%) $646,138 (48.0%) 0.00 59
2022-05-01 $314,900 (28.5%) $675,779 (64.7%) 0.00 62
2022-06-01 $314,900 (13.3%) $682,952 (7.1%) 0.00 69
Spirit Lake's median listing price for 2022-06-01 was $314,900, a difference of $36,900 (13.3%) versus the prior year and $0 versus the prior month.

Spirit Lake's median listing price comes in at 0% of the national average.

Spirit Lake's average listing price for 2022-06-01 was $682,952, a difference of $45,108 (7.1%) versus the prior year and $7,173 versus the prior month.

For the 2022-06-01 period, Spirit Lake had 69 MLS listings, a difference of 7 listings (11%) versus the prior month and 18 listings (35%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Spirit Lake (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,760 sqft
2018-02-01 0 days 1,767 sqft
2018-03-01 0 days 1,820 sqft
2018-04-01 0 days 1,938 sqft
2018-05-01 0 days 1,937 sqft
2018-06-01 0 days 2,082 sqft
2018-07-01 0 days 2,089 sqft
2018-08-01 0 days 2,082 sqft
2018-09-01 0 days 2,136 sqft
2018-10-01 0 days 2,192 sqft
2018-11-01 0 days 2,148 sqft
2018-12-01 0 days 2,250 sqft
2019-01-01 0 days 2,082 sqft
2019-02-01 0 days 1,987 sqft
2019-03-01 0 days 1,936 sqft
2019-04-01 0 days 1,978 sqft
2019-05-01 0 days 1,978 sqft
2019-06-01 0 days 1,982 sqft
2019-07-01 0 days 1,913 sqft
2019-08-01 0 days 1,877 sqft
2019-09-01 0 days 1,822 sqft
2019-10-01 0 days 1,824 sqft
2019-11-01 0 days 1,800 sqft
2019-12-01 0 days 1,715 sqft
2020-01-01 0 days 1,728 sqft
2020-02-01 0 days 1,704 sqft
2020-03-01 0 days 1,704 sqft
2020-04-01 0 days 1,704 sqft
2020-05-01 0 days 1,704 sqft
2020-06-01 0 days 1,881 sqft
2020-07-01 0 days 1,936 sqft
2020-08-01 0 days 1,705 sqft
2020-09-01 0 days 1,695 sqft
2020-10-01 0 days 1,480 sqft
2020-11-01 0 days 1,683 sqft
2020-12-01 0 days 1,478 sqft
2021-01-01 0 days 1,440 sqft
2021-02-01 0 days 1,389 sqft
2021-03-01 0 days 1,420 sqft
2021-04-01 0 days 1,395 sqft
2021-05-01 0 days 1,365 sqft
2021-06-01 0 days 1,527 sqft
2021-07-01 0 days 1,705 sqft
2021-08-01 0 days 1,478 sqft
2021-09-01 0 days 1,588 sqft
2021-10-01 0 days 1,588 sqft
2021-11-01 0 days 1,578 sqft
2021-12-01 0 days 1,536 sqft
2022-01-01 0 days 1,478 sqft
2022-02-01 0 days 1,505 sqft
2022-03-01 0 days 1,588 sqft
2022-04-01 0 days 1,588 sqft
2022-05-01 0 days 1,588 sqft
2022-06-01 0 days 1,588 sqft
Spirit Lake's median listing age (time on market) for 2022-06-01 was 0 days.

Spirit Lake's median square footage for active listings during the 2022-06-01 period was 1,588 sqft. One year prior, the average listing was 1,527 sqft.