83316 — Owyhee County, Idaho Market Snapshot
Housing market data for zip code 83316 in Owyhee County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$344,000
Days to Sell
85
Homes Sold
37
Inventory
23
Sale-to-List
97.0%
New Listings
34
Price/SqFt
$229
Pending Sales
37
Conforming Loan Available
Most homebuyers in 83316 can comfortably use conventional financing. The median home price of $344,000 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 85 days on average, 83316 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 83316 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 83316 can comfortably use conventional financing. The median home price of $344,000 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 83316 are set at the county level.
2026 Loan Limits — Owyhee 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 83316
To purchase the median home at $344,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,786.
Monthly Payment
$2,786
Income Required
$119,384
Principal & Interest
$2,120/mo
Down Payment (5%)
$17,200
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 83316.
Estimated Monthly Payment
$2,279
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