ZIP Code 51360 — Spirit Lake city, IA Demographics & Data

ZIP code 51360 covers Spirit Lake, IA in Dickinson County with a population of about 8,561.

At a glance, the area shows median age of 48.6 versus a U.S. median of about 38.9.

It sits in telephone area code 712; U.S. House district IA-4; the SIOUX CITY media market.

Spirit Lake, IA is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

Median household income in ZIP 51360 is about $77,464 — about 3% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.9%; unemployment rate near 3.3%; 34.8% of adults with a bachelor’s degree or higher (about 1.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 11.3% of workers reporting work-from-home (about 3.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $256,000 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $763 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 73.8% (about 8.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 51360 in Spirit Lake, IA, a household would need roughly $70,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,644. That is roughly in line with the local median household income ($77,464). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Spirit Lake city, IA as Very Low (composite score 36.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (54.2) and flood (49.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Spirit Lake city, IA show little to no average snow and around 29.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 491 for ZIP 51360 (Spirit Lake city, IA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.