The typical owner-occupied home in Kootenai is worth about $370,800, 11% below the Idaho median of $418,600 and 11% above the national median of $332,700. Owners pay a median $1,510 a year in property taxes, about 0.41% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $70,885 a year, so the median home costs 5.2 times the median income (5.4 times for Idaho). 78% of occupied homes here are lived in by their owners, and 80% of those owners still have a mortgage.
Kootenai at a glance
| Kootenai | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $370,800 | $418,600 | $332,700 |
| Median property tax paid per year | $1,510 | $2,038 | $3,119 |
| Property tax as a share of value | 0.41% | 0.49% | 0.94% |
| Median household income | $70,885 | $77,800 | $80,734 |
| Homes lived in by their owners | 78% | 72% | 65% |
| Owner homes with a mortgage | 80% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,596 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 23.7% | 20.7% | 21.0% |
| Median rent | $1,673 | $1,238 | $1,413 |
| Rent as a share of renters' income | 28.8% | 28.7% | 30.6% |
| Median year homes were built | 2004 | 1991 | 1980 |
| Vacant homes | 7.0% | 10.3% | 10.1% |
| Population | 1,022 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Kootenai
At this week's average 30-year rate of 7.11%, buying the median Kootenai home of $370,800 with 20% down costs about $2,277 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,894, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $97,573 for the 20%-down payment. That payment is 39% of the median Kootenai household income of $70,885; at that income and 20% down, the 28% guideline points to a home of about $269,000.
The median rent here is $1,673 a month, so owning the median home costs about $604 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $74,160 |
|---|---|
| Loan amount | $296,640 |
| Principal and interest | $1,996 |
| Property taxes (0.41% a year) | $127 |
| Homeowners insurance (our estimate, 0.5% a year) | $154 |
| PMI | $0 |
| Total per month | $2,277 |
Change the numbers in the calculator
| Down payment | $12,978 |
|---|---|
| Loan amount | $364,084 |
| Principal and interest | $2,449 |
| Property taxes (0.41% a year) | $127 |
| Homeowners insurance (our estimate, 0.5% a year) | $154 |
| FHA mortgage insurance | $164 |
| Total per month | $2,894 |
Change the numbers in the calculator
Questions about home buying in Kootenai
What is the median home value in Kootenai?
About $370,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kootenai?
Homeowners pay a median $1,510 a year, which is about 0.41% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Kootenai?
For the median home with 20% down at 7.11%, the payment is about $2,277 a month. Keeping that under 28% of gross income takes about $97,573 a year.
More about Kootenai
- Mortgage Refinance in Kootenai
- Debt Relief in Kootenai
- Home Equity Loans in Kootenai
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data