Real Estate Investing in Sagle, Idaho (83860)

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

Bonner County • Population: 7,953 • Data updated: September 2026

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Should you buy in 83860 (Sagle, ID)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (26/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 24.8% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 61.8 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Sagle, ID (83860)?

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2.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $814,008
Avg Monthly Rent $1,098
1% Rule ✗ Does Not Meet
Median Income $81,940
% Renters 12.9%

Market Analysis: 83860 Sagle

Investors eyeing 83860 need to respect the fundamentals at play. Home values of $814K come alongside slower price movement and elevated management overhead.

Turning to rents, the numbers look inviting — $814K purchase price, 0.0% nominal cap — the work to hit that pro forma in 83860 is substantial and deserves full respect.

Statewide comparisons place 83860 among ID's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 83860 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 83860 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Sagle:

D Needs Caution
Buy Confidence Score: 48/100
Affordability
0/25
Appreciation
18/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 9.9× the median income
Value Trend
Rising (+4.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,098/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Sandpoint, ID Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Sandpoint, ID metro data
🏠

Property Strategy for 83860

Which property type performs best in this market?

Best for Cash Flow
3BR
1.5% cap rate
Best for Appreciation
2BR
+10.4% 5yr CAGR
Best Overall Value
5BR
$243,631/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $564,801 $930 1.2% +9.3% $564,801
2BR $685,903 $1,220 1.3% +10.4% $342,951
3BR $793,169 $1,700 1.5% +9.6% $264,390
4BR $975,086 $1,850 1.4% +10.1% $243,771
5BR $1,218,153 +9.5% $243,631

Market Trends

Home Value History (with trend line)

$889K$752K$615K$478K$340K$203KFeb 2009Nov 2017Jul 2026

📊 How Does 83860 Compare?

Metric 83860 Sagle Sandpoint, ID Idaho
Home Value $814,008 $814,008 N/A $465,545
5-Year CAGR 3.8% 3.8% N/A 7.2%
Avg Rent $1,098 $1,098 N/A -
Cap Rate 1.1% 1.1% - -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 83860 (Sagle, ID). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
1.1%
Low
5yr Growth
+3.8%
Moderate

📉 Market Crash Risk Index

Based on Sandpoint, ID metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
71%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $814,008
Monthly Rent $1,098
Price-to-Rent 61.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 1.6%
Cap Rate 1.1%
5-Year IRR 4.9%

📈 Home Appreciation

1-Year +4.6% ▲
3-Year CAGR +3.0% ▲
5-Year CAGR +3.8% ▲
10-Year CAGR +9.3% ▲

🏠 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
24.8%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.8%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 83860

Population: 7,953

💰 Median Household Income
$81,940
This area
$81,940
State
$66,158
USA
$74,580
🏠 Renter Occupied
12.9%
This area
12.9%
State
22.1%
USA
34.0%
💼 Unemployment Rate
0.8%
This area
0.8%
State
-5.1%
USA
3.7%
🎓 College Educated
28.6%
This area
28.6%
State
11.3%
USA
33.7%
👤 Median Age
49.4 years
This area
49.4 years
State
21.8 years
USA
38.9 years
🏚️ Vacancy Rate
24.8%
This area
24.8%
State
22.9%
USA
10.5%
👥 Population by Ethnicity
White 94.7%
Other/Mixed 5.0%
Hispanic/Latino 3.2%
Asian 0.4%
👶 Under 18
18.9%
This area
18.9%
USA
22.0%
👴 65 and Over
24.3%
This area
24.3%
USA
17.3%
📊 Poverty Rate
8.6%
This area
8.6%
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 83860

B Avg School Grade
1 Schools
16.7:1 Avg Class Size
$11,560 Avg Per Pupil

Schools in This ZIP Code

B Good

SAGLE ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
273 Students
👨‍🏫
16.7:1 Class Size
💰
$11,560 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

What kind of market is Sagle, ID for investors?

Investors tracking Sagle, ID will find a 2.0/5 rating supported by $814K median home values and $1,098/mo rents. That profile suits long-term holders targeting even-keeled returns.

Is rental property easy to operate in Sagle, ID?

The landlord environment in Sagle, ID is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

How strong are rents in Sagle, ID?

The typical rental in Sagle, ID commands about $1,098/mo monthly. That rent profile even-keeled cash flow against the $814K purchase basis.

Are renters plentiful in Sagle, ID?

Sagle, ID draws a stable base of working renters. Demand at the $1,098/mo rent level is reasonable for standard single-family and small multi rentals.

What are vacancy rates like in Sagle, ID?

Vacancy in Sagle, ID is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,098/mo.

You know 83860 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 83860 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 83860 ranks in Sandpoint, ID

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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