Zip lookup · IA

51355
Okoboji, Iowa.

Okoboji, Dickinson County, IA · Spirit Lake, IA metro · population 1,048

What it costs per month · 51355 $2,338/mo

to buy the typical home at today's mortgage rate — +$1,252 (+115%) since Jan 2020.

What the home itself did
1 year
Down $987 -0%
$446,385$445,398 since Sep 2025
5 years
Up $88,615 +25%
$356,784$445,398 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 51355 $2,338 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 51355$2,338
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 16 years.

Typical home values in zip 51355 fell 0.2% over the past year — slower than the nation's +1.2%.

Zillow also publishes an index for the city itself: Okoboji, IA — measured over the city limits, which is a different area from this zip.

Typical home value $445,398 as of Sep 2026
-0.2%year on year

Typical home value — 51355

Mid-tier homes, smoothed and seasonally adjusted.

$250,000 $300,000 $350,000 $400,000 $450,000 2018 2020 2022 2024 2026 51355 $445,398 Spirit Lake $384,338 United States $366,157
$250,000 $300,000 $350,000 $400,000 $450,000 2018 2022 2026
  • 51355$445,398
  • Spirit Lake$384,338
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
1.8 51331 Arnolds Park 935 — $456,339
4.2 51360 Spirit Lake 8,653 — $404,195
5.6 51351 Milford 4,988 — $342,168
9.0 51347 Lake Park 1,470 — $251,743
10.4 51340 Fostoria 75 — $146,153
10.9 51364 Terril 803 — $180,628
14.7 51345 Harris 347 — $190,346
15.7 51338 Everly 852 — $164,566
16.4 51301 Spencer 12,638 — $198,888
16.8 51334 Estherville 6,960 — $146,658
17.3 56150 Lakefield 2,802 — $212,201
17.3 56167 Round Lake 555 — $176,289
17.8 56143 Jackson 4,509 $1,262 $207,671
19.1 51333 Dickens 374 — $242,910

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.