83813 — Bonner County, Idaho Market Snapshot
Housing market data for zip code 83813 in Bonner County, Idaho. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Bonner County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$1,124,950
Days to Sell
164
Homes Sold
6
Inventory
7
Jumbo Loan Likely Needed
The median home in 83813 at $1,124,950 exceeds the 2026 conforming loan limit of $832,750 by $292,200. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 164 days on average, 83813 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 83813 at $1,124,950 exceeds the 2026 conforming loan limit of $832,750 by $292,200. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 83813 are set at the county level.
2026 Loan Limits — Bonner 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 83813
To purchase the median home at $1,124,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,769.
Monthly Payment
$8,769
Income Required
$375,814
Principal & Interest
$6,932/mo
Down Payment (5%)
$56,248
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 83813.
Estimated Monthly Payment
$7,112
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 83813.
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