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Melba city, ID

ZIP 83641 — 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 83641

Median Home Value
$414,700
Median Rent
$927
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,664/mo PITI).

14%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

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

37.3 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 83641 in Melba city, ID, a household would need roughly $114,000 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 $2,664. That is about 39% above the local median household income ($81,823), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.5%+25% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
83.5%-4% vs US avg
x
4+ Bedrooms
13.0%-12% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
2.8%-60% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
42.2%+10% vs US avg
x
$414,700
Home Value
$927
Rent
1995
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached79.5%
  • 1-unit attached1.3%
  • 2-9 units1.4%
  • 10+ units0.0%
  • Mobile home & other17.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,700
Median rent$927
Owner-occupied81.5%
Vacant8.4%
Price-to-income5.1x
Est. income to buy$114,000