83445 — Madison County, Idaho Market Snapshot
Housing market data for zip code 83445 in Madison County, Idaho. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Madison County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$275,000
Days to Sell
33
Homes Sold
9
Inventory
14
Conforming Loan Available
Most homebuyers in 83445 can comfortably use conventional financing. The median home price of $275,000 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
83445'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.
Conforming Loan Feasibility
Most homebuyers in 83445 can comfortably use conventional financing. The median home price of $275,000 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 83445 are set at the county level.
2026 Loan Limits — Madison 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 83445
To purchase the median home at $275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.
Monthly Payment
$2,257
Income Required
$96,727
Principal & Interest
$1,694/mo
Down Payment (5%)
$13,750
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 83445.
Estimated Monthly Payment
$1,852
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