ZIP Code 83814 — Coeur d'Alene city, ID Demographics & Data

ZIP code 83814 covers Coeur d'Alene, ID in Kootenai County with a population of about 26,640.

At a glance, the area shows median age of 45.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 208, 986; U.S. House district ID-1; the SPOKANE media market.

Median household income in ZIP 83814 is about $69,914 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.3%; unemployment rate near 4.2%; 33.6% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Construction; about 13.2% of workers reporting work-from-home (about 2.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $518,800 — about 49% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,068 (about 8% below the U.S. median rent ($1,163)), and owner-occupancy near 58.9% (about 6.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 83814 in Coeur d'Alene, ID, a household would need roughly $143,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,333. That is about 105% above the local median household income ($69,914), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Coeur d'Alene city, ID as Relatively Low (composite score 79.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (86.3) and wildfire (79.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Coeur d'Alene city, ID show little to no average snow and around 25.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,753 for ZIP 83814 (Coeur d'Alene city, ID) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.