83869 — Bonner County, Idaho Market Snapshot
Housing market data for zip code 83869 in Bonner County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$489,950
Days to Sell
21
Homes Sold
30
Inventory
24
Sale-to-List
97.7%
New Listings
39
Price/SqFt
$378
Pending Sales
30
Conforming Loan Available
Most homebuyers in 83869 can comfortably use conventional financing. The median home price of $489,950 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
Homes in 83869 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 83869 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 83869 can comfortably use conventional financing. The median home price of $489,950 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 83869 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 83869
To purchase the median home at $489,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,904.
Monthly Payment
$3,904
Income Required
$167,308
Principal & Interest
$3,019/mo
Down Payment (5%)
$24,498
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 83869.
Estimated Monthly Payment
$3,182
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