HomeIowaDickinson CountySpirit Lake
Spirit Lake, Iowa: commercial real estate data.
Spirit Lake 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 since FY2020.
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$319,650
- 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
Counted by borrower city: approvals to borrowers whose address is in Spirit Lake, in any county, FY2020 to FY2026. Only 3 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
SBA loans in Spirit Lake (504)
- Approvals20
- Gross approval$8,532,000
- Average approval$426,600
- Median approval$301,500
- Largest approval$1,483,000
- Jobs supported80
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Spirit Lake, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Spirit Lake
Flood risk in Spirit Lake
- NFIP communityCity of Spirit Lake
- NFIP community number190116
- Participating in the NFIPNo
- Community Rating System classNone
- Currently effective map date09/29/22
The City of Spirit Lake does not participate in the National Flood Insurance Program as community 190116 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.
Dickinson County, not Spirit Lake
Dickinson County context, not Spirit Lake figures
- Establishments in Dickinson County784
- Covered employment, Dickinson County10,008
- Average annual pay, Dickinson County$46,626
- Housing units permitted, Dickinson County292
Every figure in this section is published for Dickinson County as a whole and is not a measurement of Spirit Lake.
All Dickinson County figures →
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, 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 totaling $4.2 m since FY2020, across 7 lenders, median approval $319,650, plus 20 504 approvals worth $8.5 m since FY2010. 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 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?
No, it is listed but not participating. Spirit Lake appears in the FEMA Community Status Book as Spirit Lake, city of, community 190116, 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 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?
No. Nothing on this page presents parcel level zoning.
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