Real Estate Investing in Stanley, Idaho (83278)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Custer County • Population: 443 • Data updated: September 2026

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Should you buy in 83278 (Stanley, ID)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (41/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 61.1% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 58.8 — hard to cash-flow at these prices.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Stanley, ID (83278)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $818,582
Avg Monthly Rent $1,161
1% Rule ✗ Does Not Meet
Median Income $76,629
% Renters 1.5%

Market Analysis: 83278 Stanley

ZIP 83278 inside Custer County looks affordable on the surface — median value of $819K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 83278 can be a a solid fit for hunting ground — but the discount at $819K reflects genuine risk that outside investors often underestimate.

Looking more closely, 83278 offers a low basis, the region around Stanley has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 83278 includes headwinds that any investor should price in. Income distribution skews lower than Stanley averages, and tenant stability requires active management.

Experienced landlords with local relationships tend to find 83278 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Stanley:

C Below Average
Buy Confidence Score: 55/100
Affordability
0/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 10.7× the median income
Value Trend
Rising (+20.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,161/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
🏠

Property Strategy for 83278

Which property type performs best in this market?

Best for Cash Flow
3BR
1.5% cap rate
Best for Appreciation
3BR
+14.0% 5yr CAGR
Best Overall Value
4BR
$278,751/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $697,320 $1,290 1.3% +13.8% $348,660
3BR $839,313 $1,780 1.5% +14.0% $279,771
4BR $1,115,004 $2,110 1.4% +11.0% $278,751

Market Trends

Home Value History (with trend line)

$879K$752K$625K$498K$371K$244KFeb 2016May 2021Jul 2026

📊 How Does 83278 Compare?

Metric 83278 Stanley Idaho
Home Value $818,582 $818,582 $465,545
5-Year CAGR 9.1% 9.1% 7.2%
Avg Rent $1,161 $1,161 -
Cap Rate 1.1% 1.1% -

Similar ZIPs Within 25 Miles

Compare other nearby markets to see if a neighbor offers a better fit.

💡 Why Invest in 83278? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 83278 (Stanley, ID). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.1%
Low
5yr Growth
+9.1%
Strong

📊 Market Snapshot

Home Value $818,582
Monthly Rent $1,161
Price-to-Rent 58.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.7%
Cap Rate 1.1%
5-Year IRR 10.3%

📈 Home Appreciation

1-Year +20.0% ▲
3-Year CAGR +11.6% ▲
5-Year CAGR +9.1% ▲
10-Year CAGR +10.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
61.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+9.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 83278

Population: 443

💰 Median Household Income
$76,629
This area
$76,629
State
$66,158
USA
$74,580
🏠 Renter Occupied
1.5%
This area
1.5%
State
22.1%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-5.1%
USA
3.7%
🎓 College Educated
66.1%
This area
66.1%
State
11.3%
USA
33.7%
👤 Median Age
67.5 years
This area
67.5 years
State
21.8 years
USA
38.9 years
🏚️ Vacancy Rate
61.1%
This area
61.1%
State
22.9%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
0.0%
This area
0.0%
USA
22.0%
👴 65 and Over
71.0%
This area
71.0%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 83278

B+ Avg School Grade
1 Schools
7.7:1 Avg Class Size
$14,772 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

STANLEY ELEM/JR HIGH SCHOOL

📚 K – 08 School
👥
23 Students
👨‍🏫
7.7:1 Class Size
💰
$14,772 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

How do experienced investors play Stanley, ID?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Stanley, ID. The numbers - $819K homes against $1,161/mo rents - support that play.

Is the tenant base reliable in Stanley, ID?

Tenant demand in Stanley, ID is solid. The local workforce $1,161/mo rents across most rental classes.

How quickly do rentals get leased in Stanley, ID?

Stanley, ID carries elevated vacancy risk. Expect predictable absorption at market rents of $1,161/mo.

How do landlord-tenant laws work in Stanley, ID?

ID ranks as a landlord-friendly state for landlord-tenant law. Stanley generally follows the statewide framework, so landlords face reasonable operating rules.

What are home prices like in Stanley, ID?

Median home price in Stanley, ID is near $819K, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.

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