Sandpoint, ID home prices
Typical home $659,989 · +3.4% in a year · income needed $175,300
The Sandpoint, ID metro area ranks 35 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.4% in a year and +14.9% over five years. With 20% down at 7.11%, the typical home costs about $4,090 a month including 0.38% property tax (Bonner County rate).
Mortgage on the typical Sandpoint home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $131,998 | $527,991 | $3,552 | $0 | $538 | $4,090 | $175,300 |
| 10% down | $65,999 | $593,990 | $3,996 | $247 | $538 | $4,782 | $204,900 |
| 5% down | $32,999 | $626,989 | $4,218 | $261 | $538 | $5,017 | $215,000 |
| 3.5% down (FHA) | $23,100 | $648,035 | $4,359 | $292 | $538 | $5,189 | $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.
Counties in the Sandpoint area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bonner County, ID | $659,993 | +3.4% | 0.38% |
What can you afford in Idaho on your salary? · Idaho home prices · Salaries in Idaho
Frequently asked questions
How much is a house in Sandpoint?
The typical home in the Sandpoint, ID metro area is worth $659,989 (Zillow, September 2026).
What salary do you need to buy a house in Sandpoint?
About $175,300 a year for the typical home with 20% down at 7.11%.