83605 — Canyon County, Idaho Market Snapshot
Housing market data for zip code 83605 in Canyon County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
200 sales in 2026 (year to date)
Median Sale Price
$399,945
Days to Sell
42
Homes Sold
200
Inventory
103
Sale-to-List
99.4%
New Listings
215
Price/SqFt
$233
Pending Sales
194
Conforming Loan Available
Most homebuyers in 83605 can comfortably use conventional financing. The median home price of $399,945 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
83605's market is balanced with homes taking an average of 42 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 83605 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83605 can comfortably use conventional financing. The median home price of $399,945 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 83605 are set at the county level.
2026 Loan Limits — Canyon County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $586,500 |
| 2 Units | $1,066,250 | $750,800 |
| 3 Units | $1,288,800 | $907,550 |
| 4 Units | $1,601,750 | $1,127,900 |
Affordability Snapshot — Zip 83605
To purchase the median home at $399,945 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,214.
Monthly Payment
$3,214
Income Required
$137,753
Principal & Interest
$2,464/mo
Down Payment (5%)
$19,997
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 83605.
Estimated Monthly Payment
$2,625
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 83605. Tell us what you're looking for.