ZIP Code 83821 — Coolin CDP, ID Demographics & Data

ZIP code 83821 covers Coolin, ID in Bonner County with a population of about 241.

At a glance, the area shows median age of 65.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 208, 986; U.S. House district ID-1; the SPOKANE media market.

Coolin, ID reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.1%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 47.8% of adults with a bachelor’s degree or higher (about 14.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Agriculture; about 51.0% of workers reporting work-from-home (about 35.8 points above the U.S. share (15.2%)); a mean commute of about 50.0 minutes (U.S. average near 26.8).

Median home value is about $573,600 — about 65% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 83821 in Coolin, ID, a household would need roughly $158,000 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 $3,685. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Coolin CDP, ID as Relatively Low (composite score 77.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.0) and wildfire (82.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Coolin CDP, ID show little to no average snow and around 32.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 83821 (Coolin CDP, ID) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.