Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$305,690+3.8% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 19% have cut their price
Income needed to buy, per year$66,267About 1.1× the local median income ($62,225): a stretch for a typical household
Days on market92 daysFaster than a year ago: sellers have the edge
The typical home in Clearwater County, ID is worth $305,690, up 3.8% from a year ago. That is well above what local incomes have historically supported: fair value is about $252,961, so the area is 20.8% overvalued. It is a balanced market, leaning toward sellers: homes take about 92 days to sell, listings are down 27% from a year ago, 19% of listings have had a price cut. A household needs about $66,267 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 $62,225. In the latest IRS figures, 120 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
$305,690
Change in 1 year
+3.8%
Overvalued %
+20.8%
Show 6 more
Fair home value
$252,961
Change in 5 years
+19.7%
Home value to income
4.9×
Monthly mortgage payment (20% down)
$1,657
Income needed to afford it
$66,267
Property tax rate
0.54%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,108
Market activity
Listings vs a year ago
−26.7%
Days on market
92
Listings with a price cut
19.1%
Show 3 more
Homes for sale
33
Pending sales per 100 listings
27
Asking price per sq ft
$218
People and jobs
Median household income
$62,225
Population change (1 year)
−0.3%
Unemployment rate
4.5%
Show 4 more
Population
9,118
Income adjusted for cost of living
$67,709
Net moves in (IRS)
+120
Cost of living (US = 100)
91.9
Schools, risk and environment
School rating (1 to 10)
5.3
FEMA hazard risk score (0 to 100)
46.9
Flood risk score
55.7
Show 3 more
Wildfire risk score
96.4
Walkability (1 to 20)
5.0
Road, rail and air noise
53 dB
Questions people ask
Is Clearwater County, ID overvalued?
Home prices in Clearwater County, ID are well above what local incomes have historically supported: fair value is about $252,961, so the area is 20.8% overvalued.
Is Clearwater County, ID a buyer's or seller's market?
Clearwater County, ID is a balanced market, leaning toward sellers: homes take about 92 days to sell, listings are down 27% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Clearwater County, ID?
Home values in Clearwater County, ID are up 3.8% over the last year.
How much do you need to earn to buy a home in Clearwater County, ID?
A household needs about $66,267 a year to afford the typical home in Clearwater County, ID at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $62,225.