Real Estate Investing in Kootenai, Idaho (83864)

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

Bonner County • Population: 19,773 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 83864 (Kootenai, ID)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (29/100)

Multiple negative signals. Better options likely exist nearby.

📈 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: 20.5% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 28.1 — hard to cash-flow at these prices.

What’s happening in Kootenai, ID (83864)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $654,799
Avg Monthly Rent $1,944
1% Rule ✗ Does Not Meet
Median Income $64,066
% Renters 27.2%

Market Analysis: 83864 Kootenai

ZIP 83864 in Kootenai, ID carries a sturdy set of headwinds. Home values near $655K and rents of $1,944/mo sit inside a market where underwriting has to be tight.

For an experienced owner, 83864 can be a a solid fit for hunting ground — but the discount at $655K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 83864 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 83864 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Distressed ZIPs reward experience. significant returns are possible in 83864, but they flow to investors who already understand how to operate in soft markets.

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 Kootenai:

C Below Average
Buy Confidence Score: 50/100
Affordability
0/25
Appreciation
18/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 10.2× the median income
Value Trend
Rising (+3.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,944/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 83864

Which property type performs best in this market?

Best for Cash Flow
3BR
2.2% cap rate
Best for Appreciation
2BR
+10.4% 5yr CAGR
Best Overall Value
5BR
$204,140/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $445,221 $1,090 1.8% +8.5% $445,221
2BR $560,226 $1,430 1.8% +10.4% $280,113
3BR $647,018 $1,990 2.2% +9.3% $215,673
4BR $851,508 $2,160 1.8% +9.9% $212,877
5BR $1,020,700 +10.1% $204,140

Market Trends

Home Value History (with trend line)

$719K$608K$497K$386K$275K$164KFeb 2009Nov 2017Jul 2026

Rent History (with trend line)

$2,201$2,113$2,026$1,938$1,850$1,763Mar 2025Nov 2025Jul 2026

📊 How Does 83864 Compare?

Metric 83864 Kootenai Sandpoint, ID Idaho
Home Value $654,799 $573,890 N/A $465,545
5-Year CAGR 3.7% 3.5% N/A 7.2%
Avg Rent $1,944 $1,764 N/A -
Cap Rate 2.3% 2.4% - -
💡 Why Invest in 83864? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 83864 (Kootenai, ID). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 83864 (Kootenai, ID)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
2.3%
Low
5yr Growth
+3.7%
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 $654,799
Monthly Rent $1,944
Price-to-Rent 28.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.6%
Cap Rate 2.3%
5-Year IRR 6.0%

📈 Home Appreciation

1-Year +3.1% ▲
3-Year CAGR +2.2% ▲
5-Year CAGR +3.7% ▲
10-Year CAGR +8.9% ▲

🏠 Rent Trends

1-Year -12.0% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.3%). 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
20.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 83864

Population: 19,773

💰 Median Household Income
$64,066
This area
$64,066
State
$66,158
USA
$74,580
🏠 Renter Occupied
27.2%
This area
27.2%
State
22.1%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-5.1%
USA
3.7%
🎓 College Educated
35.1%
This area
35.1%
State
11.3%
USA
33.7%
👤 Median Age
45.2 years
This area
45.2 years
State
21.8 years
USA
38.9 years
🏚️ Vacancy Rate
20.5%
This area
20.5%
State
22.9%
USA
10.5%
👥 Population by Ethnicity
White 91.1%
Other/Mixed 7.6%
Hispanic/Latino 4.0%
Asian 1.1%
Black/African American 0.2%
👶 Under 18
21.3%
This area
21.3%
USA
22.0%
👴 65 and Over
23.6%
This area
23.6%
USA
17.3%
📊 Poverty Rate
6.6%
This area
6.6%
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 83864

C+ Avg School Grade
9 Schools
15.5:1 Avg Class Size
$11,640 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

FORREST M BIRD CHARTER SCHOOL

📚 06 – 12 High School Charter
👥
257 Students
👨‍🏫
12.0:1 Class Size
💰
$12,284 Per Student
B Good

FARMIN STIDWELL ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
459 Students
👨‍🏫
16.1:1 Class Size
💰
$11,560 Per Student
B Good

SANDPOINT MIDDLE SCHOOL

📚 07 – 08 Middle
👥
499 Students
👨‍🏫
17.8:1 Class Size
💰
$11,560 Per Student
B Good

NORTHSIDE ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
172 Students
👨‍🏫
17.1:1 Class Size
💰
$11,560 Per Student
B Good

SANDPOINT HIGH SCHOOL

📚 09 – 12 High School
👥
1,021 Students
👨‍🏫
17.6:1 Class Size
💰
$11,560 Per Student
B Good

WASHINGTON ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
315 Students
👨‍🏫
18.8:1 Class Size
💰
$11,560 Per Student
C+ Average

LAKE PEND OREILLE HIGH SCHOOL

📚 09 – 12 High School
👥
83 Students
👨‍🏫
10.4:1 Class Size
💰
$11,560 Per Student
C+ Average

SANDPOINT JUVENILE DETENTION

📚 05 – 12 High School
👥
2 Students
👨‍🏫
2.0:1 Class Size
💰
$11,560 Per Student
D Needs Improvement

LPOSD HOME SCHOOL ACADEMY

📚 K – 08 School
👥
42 Students
👨‍🏫
28.0:1 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

Which real estate strategy fits Kootenai, ID?

In Kootenai, ID the resilient play is typically careful cash-flow rentals with hands-on management. The combination of $655K prices and $1,944/mo rents suits that approach.

What is the typical renter like in Kootenai, ID?

Expect a solid tenant pool in Kootenai, ID. The rental market absorbs $1,944/mo rents without meaningful friction.

Is Kootenai, ID good for landlords?

Landlord-friendliness in Kootenai, ID is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

Is Kootenai, ID good for house hacking?

House hacking in Kootenai, ID is reasonable to execute. Prices around $655K and rents of $1,944/mo solid owner-occupant economics.

Where do rents currently stand in Kootenai, ID?

Rents in Kootenai, ID run near $1,944/mo. Compared with median home prices of $655K that produces solid gross yields for typical rentals.

You know 83864 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 83864 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.

Compare Plans

How 83864 ranks in Sandpoint, ID

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 83864 (Kootenai)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 83864 (Kootenai, ID).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.