83822 — Bonner County, Idaho Market Snapshot
Housing market data for zip code 83822 in Bonner County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$463,937
Days to Sell
119
Homes Sold
10
Inventory
20
Sale-to-List
99.1%
New Listings
22
Price/SqFt
$312
Pending Sales
16
Conforming Loan Available
Most homebuyers in 83822 can comfortably use conventional financing. The median home price of $463,937 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
With homes sitting for 119 days on average, 83822 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 83822 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83822 can comfortably use conventional financing. The median home price of $463,937 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 83822 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 83822
To purchase the median home at $463,937 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,705.
Monthly Payment
$3,705
Income Required
$158,766
Principal & Interest
$2,859/mo
Down Payment (5%)
$23,197
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 83822.
Estimated Monthly Payment
$3,021
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 83822. Tell us what you're looking for.