83401 — Bonneville County, Idaho Market Snapshot
Housing market data for zip code 83401 in Bonneville County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
149 sales in 2026 (year to date)
Median Sale Price
$409,900
Days to Sell
33
Homes Sold
149
Inventory
141
Sale-to-List
0.0%
New Listings
207
Price/SqFt
$168
Pending Sales
185
Conforming Loan Available
Most homebuyers in 83401 can comfortably use conventional financing. The median home price of $409,900 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
83401's market is balanced with homes taking an average of 33 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 83401 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 83401 can comfortably use conventional financing. The median home price of $409,900 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 83401 are set at the county level.
2026 Loan Limits — Bonneville 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 83401
To purchase the median home at $409,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,291.
Monthly Payment
$3,291
Income Required
$141,022
Principal & Interest
$2,526/mo
Down Payment (5%)
$20,495
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 83401.
Estimated Monthly Payment
$2,687
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