Coeur d'Alene, ID home prices
Typical home $606,180 · +3.0% in a year · income needed $162,300
The Coeur d'Alene, ID metro area ranks 42 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.0% in a year and +11.7% over five years. With 20% down at 7.11%, the typical home costs about $3,786 a month including 0.44% property tax (Kootenai County rate).
Mortgage on the typical Coeur d'Alene home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $121,236 | $484,944 | $3,262 | $0 | $524 | $3,786 | $162,300 |
| 10% down | $60,618 | $545,562 | $3,670 | $227 | $524 | $4,421 | $189,500 |
| 5% down | $30,309 | $575,871 | $3,874 | $240 | $524 | $4,638 | $198,800 |
| 3.5% down (FHA) | $21,216 | $595,201 | $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.
Counties in the Coeur d'Alene area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kootenai County, ID | $606,179 | +3.1% | 0.44% |
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Frequently asked questions
How much is a house in Coeur d'Alene?
The typical home in the Coeur d'Alene, ID metro area is worth $606,180 (Zillow, September 2026).
What salary do you need to buy a house in Coeur d'Alene?
About $162,300 a year for the typical home with 20% down at 7.11%.