What is the Best Neighborhoods USA ranking for Spirit Valley?
Spirit Valley is ranked #18 of 29 eligible neighborhoods in Duluth; #168 of 275 eligible neighborhoods in MN; and #5,144 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Spirit Valley
Duluth, MN | Saint Louis County
Scored premium profile
Best Neighborhoods USA Index
56.7
Stability and Strength
42.2
Value Opportunity
54.4
Momentum
83.1
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | Duluth, MN |
| County | Saint Louis County |
| National rank | #5,144 of 14,967 |
| State rank | #168 of 275 |
| City rank | #18 of 29 |
| County rank | #18 of 29 |
| National percentile | 65.6 |
| National band | MIDDLE_50_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $207,332 |
| Year-over-year home value change | 8.3% |
| Month-over-month home value change | 0.09% |
| Home value to income ratio | 4.15 |
| Median household income | $49,931 |
| Bachelor's degree or higher | 37.3% |
| Civilian unemployment rate | 1.5% |
| Homeownership rate | 55.0% |
| Housing vacancy rate | 10.0% |
| Rent burden 30% or higher | 80.0% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Spirit Valley
Is Spirit Valley one of the best neighborhoods in Duluth?
Spirit Valley has a Best Neighborhoods USA Index of 56.7 and a city ranking of #18 of 29 eligible neighborhoods in Duluth.
How much are homes worth in Spirit Valley?
The current Zillow Home Value Index for Spirit Valley is approximately $207,332.
Are home values rising or falling in Spirit Valley?
Zillow neighborhood values changed 8.3% year over year and 0.09% month over month.
What is the Neighborhood Momentum Score for Spirit Valley?
Spirit Valley has a Neighborhood Momentum Score of 83.1. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Spirit Valley?
The NDS-derived neighborhood median household income is approximately $49,931.
How affordable is Spirit Valley relative to household income?
The current Zillow home-value-to-household-income ratio is 4.15. Price-to-income affordability is a major Value Opportunity input.
Is Spirit Valley primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 55.0%.
What is the unemployment rate in Spirit Valley?
The NDS-derived civilian unemployment rate is approximately 1.5%.
How educated are residents of Spirit Valley?
Approximately 37.3% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Spirit Valley face high rent burden?
Approximately 80.0% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Spirit Valley?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications9
Estimated originations7
Home-purchase applications5
Origination rate73.3%
Home-purchase share54.0%
Average application loan$126,534
Total application loan amount$1,189,938
National application rank#12,666 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications 10.5% YoY; originations 10.7% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.