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Bonners Ferry city, ID

ZIP 83805 — 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 83805

Median Home Value
$345,200
Median Rent
$730
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,217/mo PITI).

14%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

39.4 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 83805 in Bonners Ferry city, ID, a household would need roughly $95,000 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 $2,217. That is about 50% above the local median household income ($63,281), 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
79.5%+22% vs US avg
x
Vacancy Rate
9.8%-5% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
58.4%+53% vs US avg
x
$345,200
Home Value
$730
Rent
1991
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 detached81.2%
  • 1-unit attached0.0%
  • 2-9 units5.8%
  • 10+ units3.7%
  • Mobile home & other9.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$345,200
Median rent$730
Owner-occupied79.5%
Vacant9.8%
Price-to-income5.5x
Est. income to buy$95,000