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Ponderay city, ID

ZIP 83852 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 83852

Median Home Value
$381,000
Median Rent
$854
Affordability Snapshot
$105,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,447/mo PITI).

22%
Rent-to-Income Ratio

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

8.0x
Home Price-to-Income Ratio

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

37.2 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 83852 in Ponderay city, ID, a household would need roughly $105,000 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 $2,447. That is about 122% above the local median household income ($47,361), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
29.6%-55% vs US avg
x
Vacancy Rate
15.8%+53% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
5.7%-18% vs US avg
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$381,000
Home Value
$854
Rent
1994
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached28.1%
  • 1-unit attached9.4%
  • 2-9 units20.4%
  • 10+ units20.1%
  • Mobile home & other21.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$381,000
Median rent$854
Owner-occupied29.6%
Vacant15.8%
Price-to-income8.0x
Est. income to buy$105,000