83706 — Ada County, Idaho Market Snapshot
Housing market data for zip code 83706 in Ada County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
77 sales in 2026 (year to date)
Median Sale Price
$572,000
Days to Sell
9
Homes Sold
77
Inventory
19
Sale-to-List
100.2%
New Listings
89
Price/SqFt
$372
Pending Sales
88
Conforming Loan Available
Most homebuyers in 83706 can comfortably use conventional financing. The median home price of $572,000 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
83706 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 83706 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83706 can comfortably use conventional financing. The median home price of $572,000 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 83706 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 83706
To purchase the median home at $572,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,532.
Monthly Payment
$4,532
Income Required
$194,249
Principal & Interest
$3,524/mo
Down Payment (5%)
$28,600
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 83706.
Estimated Monthly Payment
$3,690
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