83860 — Bonner County, Idaho Market Snapshot
Housing market data for zip code 83860 in Bonner County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$914,500
Days to Sell
31
Homes Sold
24
Inventory
66
Sale-to-List
93.3%
New Listings
65
Price/SqFt
$405
Pending Sales
22
Jumbo Loan Likely Needed
The median home in 83860 at $914,500 exceeds the 2026 conforming loan limit of $832,750 by $81,750. 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
83860's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 83860 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 83860 at $914,500 exceeds the 2026 conforming loan limit of $832,750 by $81,750. 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 83860 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 83860
To purchase the median home at $914,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,157.
Monthly Payment
$7,157
Income Required
$306,712
Principal & Interest
$5,635/mo
Down Payment (5%)
$45,725
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 83860.
Estimated Monthly Payment
$5,810
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 83860. Tell us what you're looking for.