83704 — Ada County, Idaho Market Snapshot
Housing market data for zip code 83704 in Ada County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$357,450
Days to Sell
9
Homes Sold
22
Inventory
6
Sale-to-List
99.9%
New Listings
26
Price/SqFt
$280
Pending Sales
29
Conforming Loan Available
Most homebuyers in 83704 can comfortably use conventional financing. The median home price of $357,450 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
83704 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 83704 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83704 can comfortably use conventional financing. The median home price of $357,450 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 83704 are set at the county level.
2026 Loan Limits — Ada 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 83704
To purchase the median home at $357,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,889.
Monthly Payment
$2,889
Income Required
$123,800
Principal & Interest
$2,202/mo
Down Payment (5%)
$17,873
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 83704.
Estimated Monthly Payment
$2,362
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