51360 ZIP Code — Spirit Lake, IA

Dickinson County, Iowa

ZIP code 51360 is located in Spirit Lake, Iowa, within Dickinson County. It covers approximately 105.22 square miles and serves a population of 8,533 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 712.

About ZIP code 51360

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $239,300. Owner-occupancy is high at 75%, well above the national average.

Median household income is $74,375. The poverty rate of 6% is below the national average. 43% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 15 minutes is near the national average.

Educational attainment is near the national average, with 36% of residents holding a bachelor's degree or higher.

Overall, ZIP code 51360 reflects a community defined by high homeownership and a significant Social Security-dependent population.

8,533

population

105.22

sq mi land

Standard

ZIP type

Central (CT)

timezone

51360 ZIP code map

Cities in ZIP code 51360

Below are the cities the US Postal Service accepts for ZIP code 51360. Using any city not on this list may result in mail delivery delays.

City	Status
Spirit Lake	Acceptable
Spirit Lake	Preferred

Nearby ZIP codes

51355 Okoboji (2.8 mi) 51331 Arnolds Park (4.6 mi) 51351 Milford (8.8 mi) 51347 Lake Park (9.9 mi) 51364 Terril (10.5 mi) 56150 Lakefield (15.5 mi) 51334 Estherville (17 mi) 51345 Harris (17.1 mi) 56111 Alpha (17.9 mi) 56143 Jackson (18.5 mi) 56127 Dunnell (19 mi) 51301 Spencer (19.8 mi)

Demographics updated 05/2026

Population
Total population	8,533
Population density	81 / sq mi
State FIPS	19
County FIPS	059

Geography
Land area	105.22 sq mi
Water area	16.03 sq mi
Latitude	43.4216
Longitude	-95.1018
Timezone	Central (CT)
Area code	712

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.0%	39.9%	40.1%
$50k – $100k	36.8%	34.8%	33.4%
$100k – $200k	18.6%	19.6%	21.5%
Over $200k	4.5%	5.7%	5.0%

Demographics & statistics

8,533

Population

People per sq mi

48.1

Median age

$74,375

Median household income

$45,262

Per capita income

$239,300

Median home value

$925

Median monthly rent

75.2%

Home ownership

5.7%

Poverty rate

2.7%

Unemployment

5,464

Housing units

36.0%

Bachelor's or higher

Age distribution

Male Female

188

Under 5

190

263

5–9

266

222

10–14

225

154

15–19

155

280

20–24

282

437

25–34

440

477

35–44

482

454

45–54

458

311

55–59

313

336

60–64

339

610

65–74

615

342

75–84

346

173

85+

175

← Male

Female →

Age summary

Group	Count	%
Under 18	1,548	18.1%
18 and over	6,985	81.9%
65 and over	2,261	26.5%
Median age	48.1 years

Race & ethnicity

White 90.1%

Two or more races 4.8%

Hispanic or Latino 3.2%

Asian 1.4%

Other race 0.4%

Black or African American 0.1%

Group	Count	%
White	7,939	90.1%
Two or more races	421	4.8%
Hispanic or Latino	280	3.2%
Asian	124	1.4%
Other race	34	0.4%
Black or African American	11	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.0%	39.9%	40.1%
$50k – $100k	36.8%	34.8%	33.4%
$100k – $200k	18.6%	19.6%	21.5%
Over $200k	4.5%	5.7%	5.0%

Under $10k 1.3%

$10k–$15k 1.2%

$15k–$25k 10.3%

$25k–$35k 5.8%

$35k–$50k 10.5%

$50k–$75k 21.6%

$75k–$100k 19.4%

$100k–$150k 16.4%

$150k–$200k 7.1%

$200k+ 6.4%

Range	% of households
Under $10k	1.3%
$10k–$15k	1.2%
$15k–$25k	10.3%
$25k–$35k	5.8%
$35k–$50k	10.5%
$50k–$75k	21.6%
$75k–$100k	19.4%
$100k–$150k	16.4%
$150k–$200k	7.1%
$200k+	6.4%
Median income	$74,375

Housing

Home values

Under $50k 2.6%

$50k–$100k 4.7%

$100k–$150k 13.6%

$150k–$200k 16.1%

$200k–$300k 22.4%

$300k–$500k 17.5%

$500k–$1M 16.3%

$1M+ 6.6%

Housing overview

Metric	Value
Median home value	$239,300
Median rent / month	$925
Owner occupied	75.2%
Renter occupied	24.8%
Vacant	37.5%
Single-family detached	77.1%
Large apartment buildings	3.1%
Mobile homes	6.6%
Median rooms	5.9
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.4%
2010–2019	9.0%
2000–2009	17.0%
1990–1999	10.8%
1980–1989	8.3%
1970–1979	18.5%
1960–1969	12.0%
1950–1959	8.8%
1940–1949	5.1%
1939 or earlier	10.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	8.4%
2 bedrooms	25.1%
3 bedrooms	37.0%
4 bedrooms	18.8%
5+ bedrooms	8.8%

Vehicles per household

Vehicles	% of households
No vehicle	5.1%
1 vehicle	29.5%
2 vehicles	44.5%
3 or more	20.9%

Heating fuel

Fuel type	%
Utility gas	57.7%
Electricity	23.2%
Propane / LP gas	17.0%
Wood	0.4%
Solar	0.3%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	1,893	46.8%
Cohabiting couple	279	6.9%
Male householder, no spouse	840	20.8%
Female householder, no spouse	1,033	25.5%
Households with children under 18	823	20.3%
Households with seniors (65+)	1,613	39.9%
Average household size	2.08

Marital status

Status	Male	Female
Never married	27.8%	18.7%
Married	55.3%	53.9%
Separated	1.6%	0.4%
Widowed	5.9%	11.0%
Divorced	9.4%	16.1%

Education

Less than 9th grade 2.1%

Some HS, no diploma 1.8%

HS graduate 27.4%

Some college, no degree 21.3%

Associate's degree 11.4%

Bachelor's degree 26.8%

Graduate / professional 9.2%

Metric	%
HS diploma or higher	96.1%
Bachelor's or higher	36.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	40	3.1%
Kindergarten	170	13.1%
Elementary school	690	53.1%
High school	241	18.5%
College / grad school	159	12.2%

Employment

Industry of employment

Education & healthcare 19.1%

Manufacturing 17.9%

Professional & management 11.9%

Retail trade 7.8%

Construction 7.6%

Other services 7.5%

Arts, food & hospitality 6.9%

Transportation & utilities 6.7%

Finance & real estate 6.5%

Public administration 3.8%

Agriculture & mining 2.4%

Wholesale trade 1.3%

Information 0.6%

Occupation

Category	%
Management, business & arts	34.5%
Service	13.0%
Sales & office	25.3%
Natural resources & construction	10.2%
Production & transportation	16.9%

Employment type

Type	%
Private sector	76.0%
Government	13.8%
Self-employed	10.1%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	80.9%
Carpool	5.7%
Public transit	0.0%
Walk	1.7%
Work from home	11.0%
Other means	0.6%
Avg commute (minutes)	14.7

Poverty

All people 5.7%

Under 18 years 6.3%

18 and over 5.6%

Married-couple families 2.8%

Female-led households 4.2%

Income support

Source	% of households
Social Security	42.8%
Retirement income	25.1%
Supplemental Security	2.2%
Cash public assistance	4.4%
Food stamps / SNAP	4.7%

Health indicators

Condition	%
Obesity	35.2%
High blood pressure	36.5%
High cholesterol	34.4%
Diabetes	10.3%
Heart disease	7.3%
Stroke	3.2%
Asthma	8.8%
Arthritis	27.3%
Kidney disease	3.1%
Pulmonary disease	6.6%
Cancer	8.7%

Behavior / access	%
Smoking	14.5%
Binge drinking	19.7%
No physical activity	22.0%
Less than 7 hrs sleep	27.4%
Depression	16.3%
Fair or poor health	11.5%
Poor mental health	11.7%
Poor physical health	9.1%
No health insurance	7.4%
Visited doctor (checkup)	77.2%
Visited dentist	71.6%
Cholesterol screening	91.5%
Teeth loss	10.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	556	8.0%

Disability	%
Any disability	16.4%
Under 18	0.3%
18–64 years	12.3%
65 and over	36.9%

Health insurance coverage

Type	%
Private insurance	72.6%
Public insurance	37.5%
No insurance	4.3%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,155	95.6%
Spanish	170	2.1%
Other Indo-European	22	0.3%
Asian & Pacific Islander	22	0.3%
Other languages	112	1.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,315	97.4%
Born in same state	8,294	97.2%
Born in different state	5,884	69.0%
Foreign born	21	0.2%
Naturalized citizen	218	2.6%
Not a US citizen	12	5.5%

Ancestry

Ancestry	Count	%
Polish	715	8.4%
Italian	684	8%
English	564	6.6%
French	525	6.2%

Ancestry	Count	%
Dutch	395	4.6%
Arab	210	2.5%
German	15	0.2%

Technology access

Metric	% of households
Computer access	47.4%
Internet access	90.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 51360

What city is ZIP code 51360 in?

ZIP code 51360 is primarily assigned to Spirit Lake, Iowa.

What county is ZIP code 51360 in?

ZIP code 51360 falls within Dickinson County, Iowa.

Does ZIP code 51360 have an older population?

27% of residents in ZIP code 51360 are 65 or older, above the national average of ~17%.

Does ZIP code 51360 have a large retiree population?

43% of households in ZIP code 51360 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 51360?

ZIP code 51360 has an estimated population of 8,533 residents, with a density of 81 people per square mile.

What is the typical home value in ZIP code 51360?

The median home value in ZIP code 51360 is $239,300.

What timezone is ZIP code 51360 in?

ZIP code 51360 observes the CST timezone.