HomeIowaDickinson CountySpirit Lake city
Spirit Lake city, Iowa: commercial real estate data.
Spirit Lake city is a Census city of 5,518 people across 4.52 square miles of land, in Dickinson County. Median household income is $65,720, 67.5 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $4.2 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Spirit Lake
What Spirit Lake is
- Census place typecity
- Land area4.52 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,221
- County holding the largest share of its areaDickinson 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
- Population5,518
- Median age40.4
- Population under 181,077
- Share under 1819.5 percent
- Population 65 and over1,217
- Share 65 and over22.1 percent
- Households2,716
- Family households1,299
- Share of households that are families47.8 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$65,720
- Per capita income$38,446
- Civilian labor force3,205
- Employed3,107
- Unemployed98 plus or minus 68
- Unemployment rate3.1 percent plus or minus 2.1
- Adults 25 and over3,742
- Adults 25 and over with a high school diploma or higher94.3 percent
- Adults 25 and over with a bachelor degree or higher26.8 percent
- Adults 25 and over with a graduate degree7.3 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spirit Lake
Housing in Spirit Lake
- Housing units2,881
- Occupied units2,716
- Vacant units165 plus or minus 112
- Vacancy rate5.7 percent plus or minus 3.9
- Owner occupied1,832
- Renter occupied884
- Ownership rate67.5 percent
- Median owner-occupied home value$215,100
- Median gross rent, monthly$911
- Annual rent as a share of median income16.6 percent
- Single family units2,143
- Share single family74.4 percent
- Units in buildings of two or more525 plus or minus 129
- Share in buildings of two or more18.2 percent plus or minus 4.3
- Mobile homes160 plus or minus 84
- Median year structure built1978
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 commute2,741
- Commuting under 15 minutes1,814
- Share commuting under 15 minutes66.2 percent
- Commuting 30 minutes or more519 plus or minus 215
- Share commuting 30 minutes or more18.9 percent plus or minus 7.7
- Drove alone77.7 percent
- Carpooled9.3 percent plus or minus 4.8
- Public transport0.0 percent
- Walked3.5 percent plus or minus 3.4
- Worked from home9.1 percent plus or minus 3.3
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$4,153,300
- Average approval$346,108
- Median approval$432,300
- Ninetieth percentile approval$579,300
- Largest approval$823,000
- Jobs supported155
- Jobs per approval12.9
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises25.0 percent
- Distinct lenders7
- Distinct industries by NAICS8
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spirit Lake
SBA loans in Spirit Lake (504)
- Approvals20
- Gross approval$8,532,000
- Average approval$426,600
- Median approval$315,000
- Largest approval$1,483,000
- Jobs supported80
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs5
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Dickinson County, not Spirit Lake
Dickinson County context, not Spirit Lake figures
These are Dickinson County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Spirit Lake measurements.
- Establishments in Dickinson County784
- Employment at those establishments, Dickinson County7,749
- Covered employment, Dickinson County10,008
- Average annual pay, Dickinson County$46,626
- Average weekly wage, Dickinson County$897
- Housing units permitted, Dickinson County292
- Of those, single family, Dickinson County261
- County product, 2024, Dickinson County$1,529,229,000
- County product change over the prior year, Dickinson County9.6 percent
- Average income of an arriving household, Dickinson County$99,324
Every figure in this section is published for Dickinson County as a whole and is not a measurement of Spirit Lake. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Spirit Lake questions, answered from the record.
How many people live in Spirit Lake, Iowa?
5,518, in 2,716 households. Spirit Lake city covers 4.52 square miles of land, which is 1,221 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?
Dickinson 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?
$65,720. The median owner-occupied home is valued at $215,100. Median gross rent is $911 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 totalling $4.2 m, across 7 lenders, median approval $432,300, plus 20 504 approvals worth $8.5 m. 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 3 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Spirit Lake figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Dickinson 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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