The story of this market
The typical home in Kootenai County, Idaho sells for about $569,945, or $298 per square foot.
Prices are up +7.3% from a year ago, so sellers still have some momentum. Homes take about 47 days to sell. Over the long run, values in this county have grown 311% since 2000. Last year 22 of 37 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is winter weather, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,507 a month.
HUD sets the fair market rent for a 2-bedroom at $1,507 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+1.3%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+29.8%). Worst: 2010 (-11.5%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.3%
ID · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,087
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+1.3%
2025 change
FHFA repeat-sales index, median of 37 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
34
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $45,378,921.
Mortgage activity
Home lending in this county
83.7%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 13428 | 7432 | 81.5% | 5.8% | $295,000 |
| 2019 | 16664▲ | 9567▲ | 83.7%▲ | 5.1% | $345,000▲ |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Kootenai County, Idaho
Kootenai County's residential market maintains solid pricing power, with single-family median prices climbing 7.3% year-over-year to $569,945 amid sustained out-of-state buyer interest. While mortgage rates fluctuating around the mid-to-upper 6% range keep affordability constrained for local first-time buyers, tightening inventory (down 4.8% to 1,133 active homes) and swift turnover in sub-$550,000 price bands continue to support steady seller conditions.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 15 cities · 18 ZIP reports
Median prices moved up 3.6% year over year.
Homes spend a median of 38 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 12.73% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 9.4% — a stable, low-distress profile.
Deterministic aggregate of 18 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Kootenai County, Idaho — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 19, 2026.
researched Sep 29
researched Sep 29
researched Oct 4
researched Oct 4
researched Sep 29
researched Oct 4
researched Sep 29
researched Sep 29
researched Sep 29
researched Sep 29
| 83801 | Athol | $1,159,217 | $350 | +1.1% | 65 | 97.2% | 12% | 7.8 | 142 | $2,100 | researched Sep 29 |
| 83810 | Cataldo | $625,000 | $298 | +17.6% | 81 | 98% | 19.9% | 12 | 745 | $1,807 | researched Sep 29 |
| 83814 | Coeur d'Alene | — | $524 | -0.2% | 45 | 98.2% | 13.1% | 1.7 | 525 | $2,200 | researched Oct 4 |
| 83815 | Coeur d'Alene | — | $285 | +2.9% | 34 | — | — | — | 183 | $2,003 | researched Oct 4 |
| 83816 | Coeur d'Alene | $725,000 | $345 | -2.4% | 58 | 97.2% | 18.5% | 5.1 | 112 | $1,850 | researched Sep 29 |
| 83830 | Fernwood | $226,350 | $215 | +4.2% | 112 | 96.5% | 12% | 16 | 48 | $1,250 | researched Oct 4 |
| 83833 | Harrison | $1,199,900 | $265 | — | 66 | 100% | — | 1 | 1 | $1,507 | researched Sep 29 |
| 83835 | Hayden | $567,322 | $307 | +5.7% | 22 | — | — | — | 147 | $1,507 | researched Sep 29 |
| 83837 | Kellogg | $369,000 | $160 | — | 45 | — | — | — | 4 | $1,507 | researched Sep 29 |
| 83842 | Medimont | $590,000 | $405 | +0.8% | 22 | 98.5% | 18.5% | 3.2 | 128 | $2,197 | researched Sep 29 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Kootenai County experiences lower overall violent and property crime rates compared to both national medians and nearby Spokane County, Washington. Pockets of higher property theft and shoplifting are concentrated along commercial arteries in Coeur d'Alene and Post Falls, while rural and unincorporated areas log minimal violent incident counts.
Kootenai County is anchored by Coeur d'Alene School District 271, Post Falls School District 273, and Lakeland Joint School District 272, which generally maintain solid academic outcomes and above-average state testing scores. Operational funding has occasionally faced pressure from contentious local supplemental levy elections.
Wildfire and smoke exposure present the chief regional environmental risks, particularly along the timbered wildland-urban interface areas near Hayden Lake and Lake Coeur d'Alene. Flood risks are largely confined to shorelines and the Spokane River drainage basin, though increasing wildfire activity across the Inland Northwest has placed upward pressure on property insurance premiums.
Economic expansion is driven by healthcare, construction, professional services, and regional tourism, anchored by Kootenai Health and hospitality employers. In-migration from coastal and West Coast states has spurred commercial corridors along Interstate 90 and Highway 95, alongside ongoing arterial road enhancements.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. Federal (United States (federal)) — Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) Superfund Liens: Establishes a statutory federal lien upon the parcel running in favor of the United States for all unrecovered cleanup costs, damages, and statutory interest incurred by the EPA. Rate and formula: Direct Dollar-for-Dollar Reimbursement (Lien Amount = Incurred Response Costs + Administrative Costs + Federal (United States (federal)) — Foreign Investment in Real Property Tax Act (FIRPTA) Withholding: Imposes an affirmative withholding tax obligation on the transferee (buyer) to withhold and remit tax on the gross amount realized (gross sales price). The statutory base withholding rate is 15% of the total purchase price (Formula: Tax = Amount Realized × 15%). Exemptions and reductions: (1) 0% wit Federal (United States (federal)) — Federal General Tax Lien Encumbrance: Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer.
The Kootenai County economy is supported by healthcare, construction, retail trade, regional tourism, and manufacturing. Kootenai Health operates as the leading individual employer, reinforced by hospitality anchors like The Coeur d'Alene Resort and growing logistics and light-assembly firms near Post Falls.
Interstate 90 serves as the primary east-west spine connecting Kootenai County to Spokane, Washington, while U.S. Route 95 runs north-south through Coeur d'Alene and Hayden. Public transit is provided at a limited scale by Citylink, with most cross-border commutes into greater Spokane reliant on personal vehicles.
County and municipal planning agencies are focused on balancing density against farmland preservation along the Rathdrum Prairie aquifer, with significant master-planned residential additions continuing across Post Falls, Rathdrum, and Hayden.
The Kootenai County Assessor appraises residential real property at 100% of fair market value under Idaho state code, with statutory reassessments conducted annually to align with prevailing market transactions.
Parcels are subject to school districts (CDA #271, Lakeland #272, Post Falls #273), rural fire protection districts (e.g., Kootenai County Fire & Rescue, Northern Lakes Fire), highway districts (Post Falls, Lakes, East Side, Worley), and community college taxing district levies supporting North Idaho College.
Property insurance availability remains stable but premiums have climbed steadily across timbered wildland-urban interface boundaries due to elevated regional wildfire risk and Inland Northwest reinsurance market tightening.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Iconic 25-mile-long natural lake offering boating, marinas, public beaches, and shoreline parks.
120-acre natural peninsula park in downtown Coeur d'Alene featuring perimeter hiking trails and scenic water views.
Championship golf facility famous for its floating green on Lake Coeur d'Alene.
The Pacific Northwest's largest amusement and water theme park, located in northern Kootenai County near Athol.
23-mile paved multi-use trail spanning from the Washington state line through Post Falls to Coeur d'Alene.
Data pulled from U.S. Census Bureau QuickFacts and 5-year ACS tables for Kootenai County, Idaho.
applies when — Applies to the transfer of any real property improved by one to four dwelling units.
Requires the seller to provide a written property condition disclosure form to the buyer, detailing the condition of the property.
Idaho Code Title 55, Chapter 25.
applies when — The property must be owner-occupied and used as the primary dwelling place of the owner.
Exempts the lesser of $125,000 or 50% of the market value for assessment purposes from property taxation. Formula: Exemption = min($125,000, 0.50 * Market Value).
Idaho Code 63-602G; as amended by House Bill 885 (2026).
applies when — Applies to parcels governed by a homeowners' association as defined in Idaho Code 55-3203.
Imposes obligations regarding association governance, financial disclosures, and restrictions on covenants (e.g., limitations on short-term rental bans and accessory dwelling unit restrictions).
Idaho Code Title 55, Chapter 32.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.