The typical owner-occupied home in Kootenai County is worth about $518,700, 24% above the Idaho median of $418,600 and 56% above the national median of $332,700. Owners pay a median $2,267 a year in property taxes, about 0.44% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $81,861 a year, so the median home costs 6.3 times the median income (5.4 times for Idaho). 71% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Kootenai County at a glance
| Kootenai County | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $518,700 | $418,600 | $332,700 |
| Median property tax paid per year | $2,267 | $2,038 | $3,119 |
| Property tax as a share of value | 0.44% | 0.49% | 0.94% |
| Median household income | $81,861 | $77,800 | $80,734 |
| Homes lived in by their owners | 71% | 72% | 65% |
| Owner homes with a mortgage | 63% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,849 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 22.0% | 20.7% | 21.0% |
| Median rent | $1,492 | $1,238 | $1,413 |
| Rent as a share of renters' income | 31.3% | 28.7% | 30.6% |
| Median year homes were built | 1996 | 1991 | 1980 |
| Vacant homes | 11.3% | 10.3% | 10.1% |
| Population | 181,996 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Kootenai County
At this week's average 30-year rate of 7.11%, buying the median Kootenai County home of $518,700 with 20% down costs about $3,198 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,062, 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 $137,048 for the 20%-down payment. That payment is 47% of the median Kootenai County household income of $81,861; at that income and 20% down, the 28% guideline points to a home of about $310,000.
The median rent here is $1,492 a month, so owning the median home costs about $1,706 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $103,740 |
|---|---|
| Loan amount | $414,960 |
| Principal and interest | $2,791 |
| Property taxes (0.44% a year) | $190 |
| Homeowners insurance (our estimate, 0.5% a year) | $216 |
| PMI | $0 |
| Total per month | $3,198 |
Change the numbers in the calculator
| Down payment | $18,154 |
|---|---|
| Loan amount | $509,305 |
| Principal and interest | $3,426 |
| Property taxes (0.44% a year) | $190 |
| Homeowners insurance (our estimate, 0.5% a year) | $216 |
| FHA mortgage insurance | $229 |
| Total per month | $4,062 |
Change the numbers in the calculator
Questions about home buying in Kootenai County
What is the median home value in Kootenai County?
About $518,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kootenai County?
Homeowners pay a median $2,267 a year, which is about 0.44% 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 County?
For the median home with 20% down at 7.11%, the payment is about $3,198 a month. Keeping that under 28% of gross income takes about $137,048 a year.
More about Kootenai County
- Mortgage Refinance in Kootenai County
- Debt Relief in Kootenai County
- Home Equity Loans in Kootenai County
- 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