How are property tax rates determined in Iowa?

Property tax rates in Iowa are set by each taxing district (municipality, school district, park district, library, etc.) based on their annual levy (the amount of tax revenue they need). The rate is calculated by dividing the levy by the total assessed value of all property in the district.

What is the composite tax rate?

The composite tax rate is the sum of all overlapping taxing district rates that apply to a specific property. A typical property may be taxed by several overlapping districts. The composite rate determines your total tax bill when multiplied by your property's assessed value.

Why do tax rates vary within the same town?

Properties within the same municipality can have different composite rates because overlapping districts (school, park, fire, library) have different boundaries. A home in one school district may have a different rate than a home two blocks away in a different school district.

Spirit Lake, IA Property Tax Rate 2026 — Full Breakdown by District

Showing latest tax year with year-over-year changes. Full rate history available with a paid plan. See products & pricing →

Property Tax — Tax Year 2025 (payable 2026)i

IA Dept of Management Property Tax

Composite Ratei

1.59%–3.78%+96.1%YoY

Varies by school district

Municipal Portioni

0.0000%0% of total

Effective Ratei

0.73%–1.75%

Est. Annual Taxi

$2K–$4K

Median Home Valuei

$215,100

Rate varies by school district. Your actual rate depends on which school district your property falls in.

Rate Trend — click a year to explorei

20242025

Municipal

Other Districts

Where Your Tax Dollar Goesi

$1.41 SPIRIT LAKE CITY/SPIRIT LAKE SCH/URBAN RENEWA

$1.30 SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR REW AREA#

$1.30 SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR REW AREA

$1.30 SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/URBAN REN

$1.27 SPIRIT LAKE CITY/SPIRIT LAKE SCH

$0.97 SPIRIT LAKE CITY/SP LAKE SCH/BERKLEY PLACE/TIF BASE

$0.97 SPIRIT LAKE CITY/SP LAKE SCH/BERKLEY PLACE/TIF INCREM

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/BERKLEY2 INCREM

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/MAPLE MEADOWS TIF BASE

$0.97 SPIRIT LAKE CITY/SPIRITLAKE SCH/MAPLE MEADOWS TIF INCREM

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/THE DWELLINGS TIF BASE

$0.97 SPIRIT LAKE CITY/SPIRITLAKE SCH/THE DWELLINGS TIF INCREM

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/BERKLEY2 BASE

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/DICK CO SP L

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR TIF OUR H

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR E LAKE IN

$0.97 SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR POINTE PI

$0.70 SPIRIT LAKE CITY AG/SPIRIT LAKE SCH

$0.70 SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/UR GRUHN

$0.70 SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/UR POINTE

$0.70 SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/UR E LAKE

$0.59 SPIRIT LAKE CITY/SPIRIT LAKE SCH/CITY TAX EXE

Estimated Tax by Home Valuei

$100K

$529–$1,259

$150K

$793–$1,888

$200K

$1,057–$2,518

$250K

$1,321–$3,147

$300K

$1,586–$3,777

$350K

$1,850–$4,406

$400K

$2,114–$5,036

Highlighted value is closest to median home value ($215K)

22 Overlapping Taxing Districtsi

SPIRIT LAKE CITY/SPIRIT LAKE SCH/URBAN RENEWA

140.9%3.7772%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR REW AREA#

129.8%3.4814%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR REW AREA

129.8%3.4814%

SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/URBAN REN

129.8%3.4814%

SPIRIT LAKE CITY/SPIRIT LAKE SCH

127.2%3.4102%

SPIRIT LAKE CITY/SP LAKE SCH/BERKLEY PLACE/TIF BASE

97.2%2.6063%

SPIRIT LAKE CITY/SP LAKE SCH/BERKLEY PLACE/TIF INCREM

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/BERKLEY2 INCREM

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/MAPLE MEADOWS TIF BASE

97.2%2.6063%

SPIRIT LAKE CITY/SPIRITLAKE SCH/MAPLE MEADOWS TIF INCREM

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/THE DWELLINGS TIF BASE

97.2%2.6063%

SPIRIT LAKE CITY/SPIRITLAKE SCH/THE DWELLINGS TIF INCREM

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/BERKLEY2 BASE

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/DICK CO SP L

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR TIF OUR H

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR E LAKE IN

97.2%2.6063%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/UR POINTE PI

97.2%2.6063%

SPIRIT LAKE CITY AG/SPIRIT LAKE SCH

70.3%1.8862%

SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/UR GRUHN

70.3%1.8862%

SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/UR POINTE

70.3%1.8862%

SPIRIT LAKE CITY AG/SPIRIT LAKE SCH/UR E LAKE

70.3%1.8862%

SPIRIT LAKE CITY/SPIRIT LAKE SCH/CITY TAX EXE

59.1%1.5859%