HomeIdahoKootenai CountySpirit Lake
Spirit Lake, Idaho: commercial real estate data.
Spirit Lake is a Census city of 1,972 people across 2.46 square miles of land, in Kootenai County. Median household income is $65,192, 83.4 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $6.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spirit Lake
What Spirit Lake is
- Census place typecity
- Land area2.46 sq mi
- Water area0 sq mi
- Population per square mile of land803 plus or minus 169
- County holding the largest share of its areaKootenai County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spirit Lake
How many people live in Spirit Lake
- Population1,972 plus or minus 416
- Median age38.7 plus or minus 10.5
- Population under 18522 plus or minus 162
- Share under 1826.5 percent plus or minus 6.0
- Population 65 and over328 plus or minus 109
- Share 65 and over16.6 percent plus or minus 4.3
- Households820
- Family households551 plus or minus 135
- Share of households that are families67.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spirit Lake
Income and work in Spirit Lake
- Median household income$65,192 plus or minus $14,566
- Per capita income$32,650
- Civilian labor force875 plus or minus 221
- Employed843 plus or minus 218
- Unemployed32 plus or minus 36
- Unemployment rate3.7 percent plus or minus 4.0
- Adults 25 and over1,341
- Adults 25 and over with a high school diploma or higher93.6 percent plus or minus 23.3
- Adults 25 and over with a bachelor degree or higher15.4 percent plus or minus 5.9
- Adults 25 and over with a graduate degree5.3 percent plus or minus 4.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spirit Lake
Housing in Spirit Lake
- Housing units878
- Occupied units820
- Vacant units58 plus or minus 49
- Vacancy rate6.6 percent plus or minus 5.5
- Owner occupied684
- Renter occupied136 plus or minus 77
- Ownership rate83.4 percent
- Median owner-occupied home value$436,600
- Median gross rent, monthly$1,250
- Annual rent as a share of median income23.0 percent plus or minus 6.3
- Single family units767
- Share single family87.4 percent
- Units in buildings of two or more36 plus or minus 30
- Share in buildings of two or more4.1 percent plus or minus 3.3
- Mobile homes75 plus or minus 54
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spirit Lake
How Spirit Lake gets to work
- Workers 16 and over who commute732 plus or minus 195
- Commuting under 15 minutes78 plus or minus 52
- Share commuting under 15 minutes10.7 percent plus or minus 6.5
- Commuting 30 minutes or more539 plus or minus 157
- Share commuting 30 minutes or more73.6 percent
- Drove alone84.3 percent
- Carpooled4.4 percent plus or minus 3.2
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home8.8 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spirit Lake
SBA loans in Spirit Lake (7(a))
- Approvals12
- Gross approval$6,406,600
- Average approval$533,883
- Median approval$75,000
- Largest approval$2,417,000
- Jobs supported47
- Jobs per approval3.9
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more41.7 percent
- Share to franchises16.7 percent
- Distinct lenders9
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Spirit Lake, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spirit Lake
Flood risk in Spirit Lake
- NFIP communityCity of Spirit Lake
- NFIP community number160084
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/03/10
The City of Spirit Lake participates in the National Flood Insurance Program as community 160084 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Kootenai County, not Spirit Lake
Kootenai County context, not Spirit Lake figures
- Establishments in Kootenai County6,221
- Covered employment, Kootenai County71,068
- Average annual pay, Kootenai County$55,888
- Housing units permitted, Kootenai County1,587
Every figure in this section is published for Kootenai County as a whole and is not a measurement of Spirit Lake.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Spirit Lake questions, answered from the record.
How many people live in Spirit Lake, Idaho?
1,972, in 820 households. Spirit Lake city covers 2.46 square miles of land, which is 803 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Spirit Lake in?
Kootenai County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Spirit Lake?
$65,192. The median owner-occupied home is valued at $436,600. Median gross rent is $1,250 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Spirit Lake businesses?
12 7(a) approvals totaling $6.4 m since FY2020, across 9 lenders, median approval $75,000. These count approvals to borrowers whose address is in Spirit Lake, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Spirit Lake borrowers get paid back?
No rate is published for Spirit Lake. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Spirit Lake in the National Flood Insurance Program?
Yes. Spirit Lake appears in the FEMA Community Status Book as Spirit Lake, city of, community 160084, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Spirit Lake figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kootenai County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Spirit Lake.
Is zoning published for Spirit Lake?
No. Nothing on this page presents parcel level zoning.