97913 — Payette County, Idaho Market Snapshot
Housing market data for zip code 97913 in Payette County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$292,500
Days to Sell
80
Homes Sold
12
Inventory
7
Sale-to-List
98.0%
New Listings
9
Price/SqFt
$190
Pending Sales
9
Conforming Loan Available
Most homebuyers in 97913 can comfortably use conventional financing. The median home price of $292,500 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
With homes sitting for 80 days on average, 97913 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 97913 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 97913 can comfortably use conventional financing. The median home price of $292,500 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 97913 are set at the county level.
2026 Loan Limits — Payette 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 97913
To purchase the median home at $292,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,391.
Monthly Payment
$2,391
Income Required
$102,473
Principal & Interest
$1,802/mo
Down Payment (5%)
$14,625
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 97913.
Estimated Monthly Payment
$1,960
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