Bonner County, Idaho home prices
Typical home $659,993 · +3.4% in a year · property tax 0.38%
The typical home in Bonner County is worth $659,993, 38% more than the Idaho typical home ($476,754). Values changed +3.4% in the past year and +14.9% over five years. Homeowners here pay a median 0.38% of their home's value in property tax each year ($2,498 on the typical home), versus 0.42% statewide.
Mortgage on the typical Bonner County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $131,999 | $527,995 | $3,552 | $0 | $538 | $4,090 | $175,300 |
| 10% down | $65,999 | $593,994 | $3,996 | $247 | $538 | $4,782 | $204,900 |
| 5% down | $33,000 | $626,994 | $4,218 | $261 | $538 | $5,017 | $215,000 |
| 3.5% down (FHA) | $23,100 | $648,039 | $4,359 | $292 | $538 | $5,190 | $222,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Idaho · part of the Sandpoint metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Valley County | $683,380 | +3.2% | 0.3% |
| Kootenai County | $606,179 | +3.1% | 0.44% |
| Ada County | $525,709 | +1.6% | 0.52% |
| Adams County | $510,933 | +1.9% | 0.36% |
| Boise County | $479,858 | +2.9% | 0.34% |
| Gem County | $479,474 | +3.6% | 0.33% |
| Latah County | $475,190 | +1.3% | 0.64% |
| Fremont County | $473,183 | +6.8% | 0.44% |
| Jefferson County | $469,151 | +2.9% | 0.45% |
| Boundary County | $464,905 | +3.4% | 0.39% |
Frequently asked questions
What is the average home price in Bonner County, ID?
The typical home value in Bonner County is $659,993 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bonner County?
About $175,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bonner County?
The median effective rate is 0.38% of home value a year (Census ACS 2024 5-year estimates).