83201 — Bannock County, Idaho Market Snapshot
Housing market data for zip code 83201 in Bannock County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
129 sales in 2026 (year to date)
Median Sale Price
$339,500
Days to Sell
35
Homes Sold
129
Inventory
130
Sale-to-List
100.0%
New Listings
191
Price/SqFt
$166
Pending Sales
146
Conforming Loan Available
Most homebuyers in 83201 can comfortably use conventional financing. The median home price of $339,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
83201's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 83201 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83201 can comfortably use conventional financing. The median home price of $339,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 83201 are set at the county level.
2026 Loan Limits — Bannock County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 83201
To purchase the median home at $339,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,751.
Monthly Payment
$2,751
Income Required
$117,906
Principal & Interest
$2,092/mo
Down Payment (5%)
$16,975
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 83201.
Estimated Monthly Payment
$2,251
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