Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$659,993+3.4% YoY · prices are rising fast
Market right nowBalanced marketFewer homes for sale than last year, 14% have cut their price
Income needed to buy, per year$143,073About 2.0× the local median income ($71,891): hard to afford
Days on market93 daysAbout the same pace as a year ago
The typical home in Bonner County, ID is worth $659,993, up 3.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $536,125, so the area is 23.1% overvalued. It is a balanced market: homes take about 93 days to sell, listings are down 2% from a year ago, 14% of listings have had a price cut. A household needs about $143,073 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $71,891. Typical rent is $1,982 a month. In the latest IRS figures, 865 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$659,993
Change in 1 year
+3.4%
Overvalued %
+23.1%
Show 6 more
Fair home value
$536,125
Change in 5 years
+14.9%
Home value to income
9.2×
Monthly mortgage payment (20% down)
$3,577
Income needed to afford it
$143,073
Property tax rate
0.38%
Rent and investing
Typical rent
$1,982
Price-to-rent ratio
27.7×
HUD Fair Market Rent, 2 bedrooms
$1,328
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Gross rental yield
3.60%
Cap rate (estimate)
2.34%
Market activity
Listings vs a year ago
−2.1%
Days on market
93
Listings with a price cut
13.8%
Show 3 more
Homes for sale
521
Pending sales per 100 listings
22
Asking price per sq ft
$441
People and jobs
Median household income
$71,891
Population change (1 year)
+1.4%
Unemployment rate
4.8%
Show 4 more
Population
54,420
Income adjusted for cost of living
$78,227
Net moves in (IRS)
+865
Cost of living (US = 100)
91.9
Schools, risk and environment
School rating (1 to 10)
6.7
FEMA hazard risk score (0 to 100)
77.3
Unhealthy air days a year
4
Show 4 more
Flood risk score
87.0
Wildfire risk score
82.7
Walkability (1 to 20)
6.0
Road, rail and air noise
53 dB
Questions people ask
Is Bonner County, ID overvalued?
Home prices in Bonner County, ID are well above what local incomes have historically supported: fair value is about $536,125, so the area is 23.1% overvalued.
Is Bonner County, ID a buyer's or seller's market?
Bonner County, ID is a balanced market: homes take about 93 days to sell, listings are down 2% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Bonner County, ID?
Home values in Bonner County, ID are up 3.4% over the last year.
How much do you need to earn to buy a home in Bonner County, ID?
A household needs about $143,073 a year to afford the typical home in Bonner County, ID at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $71,891.