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Kootenai city, ID

ZIP 83840 — 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 83840

Median Home Value
$286,700
Median Rent
$1,375
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,842/mo PITI).

24%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.4 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 83840 in Kootenai city, ID, a household would need roughly $79,000 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 $1,842. That is roughly in line with the local median household income ($69,125). 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
81.8%+25% vs US avg
x
Vacancy Rate
7.5%-28% vs US avg
x
Broadband Access
74.2%-15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
35.6%-28% vs US avg
x
Mortgage-Free
15.3%-60% vs US avg
x
$286,700
Home Value
$1,375
Rent
2003
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached77.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units10.1%
  • Mobile home & other12.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$286,700
Median rent$1,375
Owner-occupied81.8%
Vacant7.5%
Price-to-income4.1x
Est. income to buy$79,000