83814 — Kootenai County, Idaho Market Snapshot
Housing market data for zip code 83814 in Kootenai County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
102 sales in 2026 (year to date)
Median Sale Price
$776,866
Days to Sell
36
Homes Sold
102
Inventory
154
Sale-to-List
96.6%
New Listings
213
Price/SqFt
$421
Pending Sales
121
Conforming Loan Available
The median home in 83814 at $776,866 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
83814's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 83814 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 83814 at $776,866 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 83814 are set at the county level.
2026 Loan Limits — Kootenai County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $572,700 |
| 2 Units | $1,066,250 | $733,150 |
| 3 Units | $1,288,800 | $886,200 |
| 4 Units | $1,601,750 | $1,101,350 |
Affordability Snapshot — Zip 83814
To purchase the median home at $776,866 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,102.
Monthly Payment
$6,102
Income Required
$261,519
Principal & Interest
$4,787/mo
Down Payment (5%)
$38,843
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 83814.
Estimated Monthly Payment
$4,958
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