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St. Maries city, ID

ZIP 83861 — 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 83861

Median Home Value
$273,100
Median Rent
$683
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,754/mo PITI).

13%
Rent-to-Income Ratio

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

4.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

33.3 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 83861 in St. Maries city, 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.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.0%+18% vs US avg
x
Vacancy Rate
11.7%+13% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
20.6%-59% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$273,100
Home Value
$683
Rent
1977
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached75.3%
  • 1-unit attached0.6%
  • 2-9 units4.2%
  • 10+ units1.4%
  • Mobile home & other18.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$273,100
Median rent$683
Owner-occupied77.0%
Vacant11.7%
Price-to-income4.5x
Est. income to buy$75,000