Check out for Zolo stays
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Yes, there are inexpensive homestay in Spiti but not all the luxury obviously. And if you think that it's mainly for bickers and cars yes it is even I have seen cyclers cycling and there are public transportation but they do also have there own timing because the places or I would say villages in Spiti valley are quite a distance. if you want to walk through then after reaching kaza you can walk through the off road areas to go and discover them.
Try hostels