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Spirit Lake

CityThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Idaho
$480K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
36
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$680K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
201620172018202120232026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
201620172018202120232026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
201620172018202120232026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
201620172018202120232026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
201620172018202120232026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
201620172018202120232026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
201620172018202120232026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
201620172018202120232026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
20162017202020212022202320252026

Housing Stock

HomesHow many homes we have records for in this area.2,818
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$680K
Median sizeThe middle home size here, measured in square feet.1,512 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1998
Single familyThe share of homes here that are single-family houses.71%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.68%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.9%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.80%
Company ownedThe share of homes owned by a company or trust instead of a person.18%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.34%
Typical ownership tenureHow long the typical owner here has held their home.6.7 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.112
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.77

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.2.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.2,667
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,086 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$67K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83K
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all citys nationally.

How Spirit Lake compares

By median home value, Spirit Lake is the 7th most expensive of 10 cities in Kootenai County, and its typical home is worth more than 59% of all homes in Kootenai County.

Home values in Spirit Lake

Share of homes at each estimated value.

Median
$247K$1.6M
cities in Kootenai County ranked by median home value
#Kootenai CountyMedian valueHomes
1Hayden Lake$1.3M108
2Harrison$1.1M2,078
3Dalton Gardens$972K953
4Worley$859K1,537
5Athol$836K3,824
6Hauser$765K822
7Spirit Lake$680K2,818
8Hayden$643K10,502
9Rathdrum$579K8,676
10Post Falls$526K17,749

About the Spirit Lake market

What is the median home price in Spirit Lake, ID?

The median sale price in Spirit Lake, ID is $480,422 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Spirit Lake, ID each year?

36 homes sold in Spirit Lake, ID over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Spirit Lake, ID?

Spirit Lake, ID contains 2,818 residential properties, with a median of 1,512 square feet, 3 bedrooms, built around 1998. The median TopHap Estimate is $680K.

How does Spirit Lake, ID compare to the rest of Kootenai County?

By median home value, Spirit Lake, ID is the 7th most expensive of 10 cities in Kootenai County. Its typical home is worth more than 59% of all homes in Kootenai County. Hauser ranks just above it and Hayden just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Spirit Lake, ID?

80% of homes in Spirit Lake, ID are owner-occupied. 18% are held by a company rather than an individual.

How much equity do owners in Spirit Lake, ID hold?

68% of mortgaged homes in Spirit Lake, ID are equity-rich, meaning the loan balance is under half the home's value. 0.9% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Spirit Lake on the map

See every recorded sale, price heat map, school zone and flood overlay across Spirit Lakein TopHap’s interactive 3D map.

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