83686 — Canyon County, Idaho Market Snapshot
Housing market data for zip code 83686 in Canyon County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
320 sales in 2026 (year to date)
Median Sale Price
$453,490
Days to Sell
48
Homes Sold
320
Inventory
180
Sale-to-List
99.7%
New Listings
304
Price/SqFt
$256
Pending Sales
307
Conforming Loan Available
Most homebuyers in 83686 can comfortably use conventional financing. The median home price of $453,490 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
83686's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 83686 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83686 can comfortably use conventional financing. The median home price of $453,490 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 83686 are set at the county level.
2026 Loan Limits — Canyon County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $586,500 |
| 2 Units | $1,066,250 | $750,800 |
| 3 Units | $1,288,800 | $907,550 |
| 4 Units | $1,601,750 | $1,127,900 |
Affordability Snapshot — Zip 83686
To purchase the median home at $453,490 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,624.
Monthly Payment
$3,624
Income Required
$155,336
Principal & Interest
$2,794/mo
Down Payment (5%)
$22,675
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 83686.
Estimated Monthly Payment
$2,957
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