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Sandpoint city, ID

ZIP 83864 — 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 83864

Median Home Value
$474,100
Median Rent
$999
Affordability Snapshot
$130,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,045/mo PITI).

17%
Rent-to-Income Ratio

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

6.9x
Home Price-to-Income Ratio

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

39.5 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 83864 in Sandpoint city, ID, a household would need roughly $130,000 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 $3,045. That is about 90% above the local median household income ($68,595), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.9%+8% vs US avg
x
Vacancy Rate
20.3%+97% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
2.4%-66% vs US avg
x
Rent Burden >30%
21.9%-56% vs US avg
x
Mortgage-Free
44.9%+17% vs US avg
x
$474,100
Home Value
$999
Rent
1990
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 detached71.4%
  • 1-unit attached8.2%
  • 2-9 units8.2%
  • 10+ units7.6%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$474,100
Median rent$999
Owner-occupied70.9%
Vacant20.3%
Price-to-income6.9x
Est. income to buy$130,000