83858 — Kootenai County, Idaho Market Snapshot
Housing market data for zip code 83858 in Kootenai County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
139 sales in 2026 (year to date)
Median Sale Price
$595,200
Days to Sell
36
Homes Sold
139
Inventory
134
Sale-to-List
100.1%
New Listings
216
Price/SqFt
$327
Pending Sales
172
Conforming Loan Available
Most homebuyers in 83858 can comfortably use conventional financing. The median home price of $595,200 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
83858'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
Homes are selling very close to asking price in 83858 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83858 can comfortably use conventional financing. The median home price of $595,200 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 83858 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 83858
To purchase the median home at $595,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,710.
Monthly Payment
$4,710
Income Required
$201,867
Principal & Interest
$3,667/mo
Down Payment (5%)
$29,760
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 83858.
Estimated Monthly Payment
$3,834
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