83804 — Bonner County, Idaho Market Snapshot
Housing market data for zip code 83804 in Bonner County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$619,000
Days to Sell
38
Homes Sold
21
Inventory
23
Sale-to-List
98.2%
New Listings
25
Price/SqFt
$305
Pending Sales
19
Conforming Loan Available
Most homebuyers in 83804 can comfortably use conventional financing. The median home price of $619,000 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
83804's market is balanced with homes taking an average of 38 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 83804 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83804 can comfortably use conventional financing. The median home price of $619,000 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 83804 are set at the county level.
2026 Loan Limits — Bonner 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 83804
To purchase the median home at $619,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,893.
Monthly Payment
$4,893
Income Required
$209,682
Principal & Interest
$3,814/mo
Down Payment (5%)
$30,950
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 83804.
Estimated Monthly Payment
$3,981
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