Spirit Lake, ID

The affordability dashboard for Spirit Lake, ID aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 4,161 residents, then layers in county-level federal data to produce an overall grade of F (39/100). The headline inputs are median household income of $67,099, median home value of $466,000, median rent of $1,233 per month, and 20.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,547 per month (studio $1,103, 1BR $1,302, 3BR $2,152, 4BR $2,595). Department of Labor data lists infant center-based childcare at $8,653 per year, consuming 13% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are education, housing, commute. Unemployment currently reads 2.9% and poverty 9.2% — numbers worth keeping alongside the headline grade.