Kootenai County, Idaho home prices
Typical home $606,179 · +3.1% in a year · property tax 0.44%
The typical home in Kootenai County is worth $606,179, 27% more than the Idaho typical home ($476,754). Values changed +3.1% in the past year and +11.7% over five years. Homeowners here pay a median 0.44% of their home's value in property tax each year ($2,649 on the typical home), versus 0.42% statewide.
Mortgage on the typical Kootenai County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $121,236 | $484,943 | $3,262 | $0 | $524 | $3,786 | $162,300 |
| 10% down | $60,618 | $545,561 | $3,670 | $227 | $524 | $4,421 | $189,500 |
| 5% down | $30,309 | $575,870 | $3,874 | $240 | $524 | $4,638 | $198,800 |
| 3.5% down (FHA) | $21,216 | $595,199 | $4,004 | $268 | $524 | $4,796 | $205,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.44% 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 Coeur d'Alene metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bonner County | $659,993 | +3.4% | 0.38% |
| Valley County | $683,380 | +3.2% | 0.3% |
| 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 Kootenai County, ID?
The typical home value in Kootenai County is $606,179 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kootenai County?
About $162,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kootenai County?
The median effective rate is 0.44% of home value a year (Census ACS 2024 5-year estimates).