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Coeur d'Alene city, ID

ZIP 83815 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 83815

Median Home Value
$472,300
Median Rent
$1,260
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,034/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 83815 in Coeur d'Alene city, ID, a household would need roughly $130,000 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 $3,034. That is about 69% above the local median household income ($77,139), 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.0%+4% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
8.9%-40% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$472,300
Home Value
$1,260
Rent
1998
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached70.4%
  • 1-unit attached3.7%
  • 2-9 units13.0%
  • 10+ units7.3%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$472,300
Median rent$1,260
Owner-occupied68.0%
Vacant5.5%
Price-to-income6.1x
Est. income to buy$130,000