83218 — Bingham County, Idaho Market Snapshot
Housing market data for zip code 83218 in Bingham County, Idaho. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Bingham County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$720,079
Days to Sell
262
Homes Sold
1
Inventory
N/A
Conforming Loan Available
The median home in 83218 at $720,079 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 262 days on average, 83218 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 83218 at $720,079 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 83218 are set at the county level.
2026 Loan Limits — Bingham 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 83218
To purchase the median home at $720,079 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,667.
Monthly Payment
$5,667
Income Required
$242,872
Principal & Interest
$4,437/mo
Down Payment (5%)
$36,004
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 83218.
Estimated Monthly Payment
$4,606
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