83628 — Owyhee County, Idaho Market Snapshot
Housing market data for zip code 83628 in Owyhee County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$357,500
Days to Sell
30
Homes Sold
11
Inventory
3
Sale-to-List
96.8%
New Listings
11
Price/SqFt
$236
Pending Sales
15
Conforming Loan Available
Most homebuyers in 83628 can comfortably use conventional financing. The median home price of $357,500 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
83628's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 83628 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 83628 can comfortably use conventional financing. The median home price of $357,500 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 83628 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 83628
To purchase the median home at $357,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,889.
Monthly Payment
$2,889
Income Required
$123,816
Principal & Interest
$2,203/mo
Down Payment (5%)
$17,875
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 83628.
Estimated Monthly Payment
$2,362
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