83617 — Payette County, Idaho Market Snapshot
Housing market data for zip code 83617 in Payette County, Idaho. Updated monthly with median prices, days on market, and more.
Market Sales Data
77 sales in 2026 (year to date)
Median Sale Price
$490,000
Days to Sell
86
Homes Sold
77
Inventory
82
Sale-to-List
98.4%
New Listings
93
Price/SqFt
$285
Pending Sales
94
Conforming Loan Available
Most homebuyers in 83617 can comfortably use conventional financing. The median home price of $490,000 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 86 days on average, 83617 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
Homes are selling very close to asking price in 83617 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 83617 can comfortably use conventional financing. The median home price of $490,000 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 83617 are set at the county level.
2026 Loan Limits — Payette County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 83617
To purchase the median home at $490,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,904.
Monthly Payment
$3,904
Income Required
$167,324
Principal & Interest
$3,019/mo
Down Payment (5%)
$24,500
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 83617.
Estimated Monthly Payment
$3,183
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