83854 — Kootenai County, Idaho Market Snapshot
Housing market data for zip code 83854 in Kootenai County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
248 sales in 2026 (year to date)
Median Sale Price
$530,279
Days to Sell
18
Homes Sold
248
Inventory
161
Sale-to-List
99.4%
New Listings
414
Price/SqFt
$305
Pending Sales
324
Conforming Loan Available
Most homebuyers in 83854 can comfortably use conventional financing. The median home price of $530,279 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
Homes in 83854 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 83854 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83854 can comfortably use conventional financing. The median home price of $530,279 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 83854 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 83854
To purchase the median home at $530,279 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,213.
Monthly Payment
$4,213
Income Required
$180,550
Principal & Interest
$3,267/mo
Down Payment (5%)
$26,514
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 83854.
Estimated Monthly Payment
$3,432
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 83854. Tell us what you're looking for.