Retirement Lists

Spirit Lake, Iowa

City of Spirit Lake looking south from over Spirit Lake towards the city on the west shore of East Okoboji Lake. Photograph taken on October 9, 2006.

Planning a monthly budget

A local monthly estimate of $2,934 gives you the starting point, with transportation taking the largest share.

Housing
$890
Utilities (in rent)
$213
Food
$472/mo
Transportation
$1,077/mo
Healthcare
$495

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$4,174

Good

Cost of Living for Couple
$4,252

Very Good

Typical 1BR Rent
$890

Very Good

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$230/mo

Excellent

Need for a Car
Required
Property Taxes
Moderate

Fair

Overall Feel
Good
Residents 65+ Below Poverty Level
12.9%
65+ Householder — Renter Occupied
15.2%
65+ Households With High Housing Costs
44.1%
Median Household Income, Householder 65+
$37,228

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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