83815 — Kootenai County, Idaho Market Snapshot
Housing market data for zip code 83815 in Kootenai County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
158 sales in 2026 (year to date)
Median Sale Price
$527,500
Days to Sell
37
Homes Sold
158
Inventory
108
Sale-to-List
98.4%
New Listings
229
Price/SqFt
$304
Pending Sales
196
Conforming Loan Available
Most homebuyers in 83815 can comfortably use conventional financing. The median home price of $527,500 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
83815's market is balanced with homes taking an average of 37 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 83815 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83815 can comfortably use conventional financing. The median home price of $527,500 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 83815 are set at the county level.
2026 Loan Limits — Kootenai County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $572,700 |
| 2 Units | $1,066,250 | $733,150 |
| 3 Units | $1,288,800 | $886,200 |
| 4 Units | $1,601,750 | $1,101,350 |
Affordability Snapshot — Zip 83815
To purchase the median home at $527,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,192.
Monthly Payment
$4,192
Income Required
$179,637
Principal & Interest
$3,250/mo
Down Payment (5%)
$26,375
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 83815.
Estimated Monthly Payment
$3,415
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