83406 — Bonneville County, Idaho Market Snapshot
Housing market data for zip code 83406 in Bonneville County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$452,500
Days to Sell
41
Homes Sold
76
Inventory
64
Sale-to-List
0.0%
New Listings
111
Price/SqFt
$165
Pending Sales
96
Conforming Loan Available
Most homebuyers in 83406 can comfortably use conventional financing. The median home price of $452,500 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
83406's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 83406 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 83406 can comfortably use conventional financing. The median home price of $452,500 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 83406 are set at the county level.
2026 Loan Limits — Bonneville 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 83406
To purchase the median home at $452,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,617.
Monthly Payment
$3,617
Income Required
$155,010
Principal & Interest
$2,788/mo
Down Payment (5%)
$22,625
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 83406.
Estimated Monthly Payment
$2,950
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