83213 — Butte County, Idaho Market Snapshot
Housing market data for zip code 83213 in Butte County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$222,500
Days to Sell
177
Homes Sold
10
Inventory
12
Sale-to-List
94.3%
New Listings
9
Price/SqFt
$142
Pending Sales
10
Conforming Loan Available
Most homebuyers in 83213 can comfortably use conventional financing. The median home price of $222,500 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
With homes sitting for 177 days on average, 83213 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 83213 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 83213 can comfortably use conventional financing. The median home price of $222,500 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 83213 are set at the county level.
2026 Loan Limits — Butte 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 83213
To purchase the median home at $222,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,855.
Monthly Payment
$1,855
Income Required
$79,488
Principal & Interest
$1,371/mo
Down Payment (5%)
$11,125
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 83213.
Estimated Monthly Payment
$1,527
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