ZIP Code 83861 — St. Maries city, ID Demographics & Data

ZIP code 83861 covers St. Maries, ID in Benewah County with a population of about 7,167.

At a glance, the area shows median age of 47.2 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.

Median household income in ZIP 83861 is about $60,897 — about 19% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.1%; unemployment rate near 4.0%; 21.4% of adults with a bachelor’s degree or higher (about 12.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.3% of workers reporting work-from-home (about 7.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $273,100 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $683 (about 41% below the U.S. median rent ($1,163)), and owner-occupancy near 77.0% (about 11.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 83861 in St. Maries, ID, a household would need roughly $75,000 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 $1,754. That is about 23% above the local median household income ($60,897), 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.

FEMA’s National Risk Index rates natural-hazard risk for St. Maries city, ID as Very Low (composite score 19.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (74.8) and flood (46.9). 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 St. Maries city, ID show little to no average snow and around 31.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 472 for ZIP 83861 (St. Maries city, 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.