ZIP Code 83852 — Ponderay city, ID Demographics & Data

ZIP code 83852 covers Ponderay, ID in Bonner County with a population of about 1,438.

At a glance, the area shows median age of 39.7 (near the U.S. median).

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

Median household income in ZIP 83852 is about $47,361 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.5%; unemployment rate near 5.8%; 9.5% of adults with a bachelor’s degree or higher (about 24.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Manufacturing; about 4.6% of workers reporting work-from-home (about 10.6 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 $381,000 — about 9% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $854 (about 27% below the U.S. median rent ($1,163)), and owner-occupancy near 29.6% (about 35.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 83852 in Ponderay, ID, a household would need roughly $105,000 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 $2,447. That is about 122% above the local median household income ($47,361), 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 Ponderay city, ID as Relatively Low (composite score 77.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.0) and wildfire (82.7). 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 Ponderay city, ID show little to no average snow and around 34.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 95 for ZIP 83852 (Ponderay 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.