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McCall city, ID

ZIP 83638 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 83638

Median Home Value
$685,300
Median Rent
$1,006
Affordability Snapshot
$189,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,402/mo PITI).

13%
Rent-to-Income Ratio

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

7.6x
Home Price-to-Income Ratio

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

56.8 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 83638 in McCall city, ID, a household would need roughly $189,000 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 $4,402. That is about 110% above the local median household income ($89,965), 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

Vacancy rate 66% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.7%+30% vs US avg
x
Vacancy Rate
66.1%+542% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
8.8%-82% vs US avg
x
Mortgage-Free
45.4%+19% vs US avg
x
$685,300
Home Value
$1,006
Rent
1994
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached80.7%
  • 1-unit attached1.6%
  • 2-9 units8.3%
  • 10+ units3.1%
  • Mobile home & other6.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$685,300
Median rent$1,006
Owner-occupied84.7%
Vacant66.1%
Price-to-income7.6x
Est. income to buy$189,000