Market Overview
Home Prices in Spiritwood Lake, ND
The median home value in Spiritwood Lake, ND is $367,955 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 13.3% compared to a year ago and up 6.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Spiritwood Lake are priced10% below average. Spiritwood Lake is part of the Jamestown, ND metro area.
Price History
Spiritwood Lake Home Price Trend
2022
$320,770
$321K
—
2023
$309,938
$310K
-3.4%
2024
$305,150
$305K
-1.5%
2025
$324,692
$325K
+6.4%
2026
$367,955
$368K
+13.3%
City Comparison
Spiritwood Lake vs. National Median
🏠 Spiritwood Lake
$367,955
National Median
$410,000
At $367,955, homes in Spiritwood Lake cost 10% below the national median of $410,000. This makes Spiritwood Lake a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Spiritwood Lake?
20% Down Payment
$73,591
on $367,955
Monthly P&I
$1,919/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,437/mo
incl. taxes & insurance
Income Needed
$97,480
gross annual (30% rule)
10% Down Option
$36,796
+ PMI applies
Loan Amount (20% dn)
$294,364
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Spiritwood Lake, ND?
The median home value in Spiritwood Lake is $367,955 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 13.3% year-over-year.
How much have home prices changed in Spiritwood Lake?
Over the past year, home values in Spiritwood Lake have increased by 13.3%.
How much do I need to earn to buy a home in Spiritwood Lake?
To comfortably afford the median home price of $367,955 with a 20% down payment ($73,591) at today's rates (6.8%), you'd need a gross annual income of approximately $97,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Spiritwood Lake compare to the national average home price?
The national median home value is approximately $410,000. At $367,955, homes in Spiritwood Lake are 10% below the national average.
What metro area is Spiritwood Lake part of?
Spiritwood Lake is part of the Jamestown, ND metropolitan area. Home prices and market conditions can vary across the broader metro region.