Market Intelligence Report — IA-020

Spirit Lake, IA

Monthly housing intelligence, market trends, and trusted local expertise.

Ref. No: 2026-IA-08
As of the latest 2026 data
Cooling

Median Listing

$510K
+2.0% YoY

Pending Ratio

0.33
+4.3% YoY

Active Inventory

217
+0.9% YoY

Median DOM

53 Days
-25.5% YoY

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The Spirit Lake market currently exhibits cooling dynamics, with the pending ratio at 0.33, indicating that demand absorption is moderate relative to available inventory. Active listings have shown a marginal year-over-year increase of 0.9%, while new listings have contracted by 21.4% over the past year.

Local Market Signals

Source: FRED (St. Louis Fed)

Local economic trends can influence how quickly homes sell and how much competition sellers may face.

Local economic indicators are not yet available for this metro. Check back soon.
Market Analysis

What's moving the Spirit Lake market right now.

The market is experiencing a contraction in new listings, down 21.4% year-over-year, which could temper overall inventory growth. Despite this, the pending ratio, currently 0.33, indicates that demand is not keeping pace with the available supply, even with a year-over-year increase of 4.3% from a lower base. The median listing price registered a month-over-month decline of 3.6%, though it remains up 2.0% over the past year.

Historical Analysis

Market Trends

Median Price

$510K-3.6% MoM

Active Inventory

217+0.9% YoY

Days on Market

53-25.5% YoY

Sold Score™

53+4.3% YoY

Sold Score™ Over Time

Market liquidity index • 36 months

53
Sep 23Aug 26

Price & Days on Market

Median listing vs market velocity

Price DOM
Sep 23Aug 26

Inventory Dynamics

Total active listings vs new monthly supply

Active New listings
Sep 23Apr 24Nov 24Jun 25Jan 26Aug 26

Sourced from Realtor.com RDC Inventory Core Metrics, supplemented by the Primpted research desk. Updated As of the latest 2026 data.

Market Signals & Indicators

Negotiating Leverage

With a pending ratio of 0.33, the market suggests a slower pace of transaction activity, allowing for greater consideration of available options. The modest year-over-year increase in active listings, alongside a significant decline in new listings, implies that while supply is not expanding rapidly, the existing inventory is not being absorbed quickly. This environment may encourage more measured price discipline.

Luxury Segment

The average listing price at $908,886 significantly exceeds the median listing price of $510,000, which, coupled with a 9.6% year-over-year decline in median $/sqft, suggests some softening in the higher-priced segments of the market.

Supply Dynamics

217 active listings represent the current floor, with new supply arriving at roughly 44 per month.

Pricing Pressure
14.7%

of active listings carry a price reduction, +0.5% from prior period.

$/Sq Ft
$0K

Median price per square foot has moved -9.6% year-over-year.

Absorption
0.33

Pending-to-active ratio — Cooling.

Recommended For This Market

Cooling

Selling in Spirit Lake, IA? Homes here are taking 18 days less to sell than last year.

Buyers have leverage in Spirit Lake, IA. Homes that sell are the ones priced and presented for today's conditions, not last year's.

Buyer Demand Index
33%
Median Days on Market
53 days
Inventory YoY
+1%

In a buyer's market, strategy beats timing. See how your home scores in Spirit Lake, IA and what moves the number.

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Metro Demographics

Metro Area
Spirit Lake, IA
CBSA Code
44020
State
IA