83204 — Bannock County, Idaho Market Snapshot
Housing market data for zip code 83204 in Bannock County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$344,900
Days to Sell
82
Homes Sold
54
Inventory
60
Sale-to-List
0.0%
New Listings
68
Price/SqFt
$175
Pending Sales
49
Conforming Loan Available
Most homebuyers in 83204 can comfortably use conventional financing. The median home price of $344,900 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 82 days on average, 83204 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 83204 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 83204 can comfortably use conventional financing. The median home price of $344,900 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 83204 are set at the county level.
2026 Loan Limits — Bannock 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 83204
To purchase the median home at $344,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,793.
Monthly Payment
$2,793
Income Required
$119,679
Principal & Interest
$2,125/mo
Down Payment (5%)
$17,245
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 83204.
Estimated Monthly Payment
$2,285
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