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City · 56,447 residents · Kootenai County, Idaho

Coeur d'Alene , Idaho

In Coeur d'Alene, a typical home is worth $483,500 and typical rent is $1,468 a month. Compared with all of Kootenai County, typical household income is 12% lower, the typical home value is 7% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $483,500

    7% below the county

    16% above Idaho

    • Coeur d'Alene
    • Kootenai
    • Idaho

  • Typical rent

    $1,468a month

    About the same as the county

    19% above Idaho

    • Coeur d'Alene
    • Kootenai
    • Idaho

  • Typical household income

    $72,338a year

    12% below the county

    7% below Idaho

    • Coeur d'Alene
    • Kootenai
    • Idaho

  • Households that own their home

    59%

    12 points below the county

    13 points below Idaho

    • Coeur d'Alene
    • Kootenai
    • Idaho

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$606,227
3.3% more than 12 months ago
Typical rent
$1,865 a month
4.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Coeur d'Alene is in Kootenai County. The FHA loan limit ($572,700 for a one-unit home), the fair market rents and the help on this page are those of all of Kootenai County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Coeur d'Alene apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Moscow, the typical rent is $927: 37% less than in Coeur d'Alene ($1,468).

  2. Nearby, in Moscow, the typical home value is $376,400: 22% less than in Coeur d'Alene ($483,500).

  3. Coeur d'Alene has the 3rd largest share of rent-burdened renters of the 33 cities in Idaho with more than 5,000 people (57%).

  4. 59% of households in Coeur d'Alene own their home, against 71% in Kootenai County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Coeur d'Alene

What homes there are in Coeur d'Alene, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Coeur d'Alene (65%), but less so than in Kootenai County (74%).

Year built

By age, homes in Coeur d'Alene look like those in Kootenai County: the typical year built is 1994.

In Coeur d'Alene, 11% of homes have 1 bedroom or none (studios); 61% have 3 bedrooms or more, against 70% in Kootenai County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 62% of owner-occupied homes in Coeur d'Alene are worth less than the FHA loan limit for Kootenai County ($572,700); the rest are worth more.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,507), about 52% of rented homes in Coeur d'Alene cost less.

With a mortgage

$1,776 a month

Kootenai County: $1,849 a month

Without a mortgage

$491 a month

Kootenai County: $546 a month

Owners with a mortgage

62%

Kootenai County: 63%

In Coeur d'Alene, 62% of owners have a mortgage; their typical cost is $1,776 a month, about the same as in Kootenai County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Coeur d'Alene rose 106%; in Kootenai County, it rose 99%.

Rents in Coeur d'Alene rose at about the same pace as in Kootenai County: 50% since 2015–2019, against 50%.

The typical household income in Coeur d'Alene rose 42%: less than home values (+106%) and rent (+50%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCoeur d'AleneKootenai CountyIdahoUnited States
Rental vacancy 6.3%4.9%3.9%5.5%
Homeowner vacancy Unreliable estimate1.0%0.7%0.9%
More than one person per room 1.7%2.1%3.1%3.4%
People per household 2.302.532.642.53
Drive alone 75%74%73%69%
Carpool 9%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%3%3%
Work from home 13%15%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

There is more rental housing open in Coeur d'Alene: 6.3% is empty and offered for rent, against 4.9% in Kootenai County.

More than one person per room: that is how 1.7% of households in Coeur d'Alene live, near the figure in Kootenai County (2.1%).

Fewer people live in each home here: 2.30 on average, against 2.53 in Kootenai County.

To get to work, 75% of workers in Coeur d'Alene drive alone; in Kootenai County, 74%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Coeur d'Alene?

A typical home costs more than the typical income allows

We start with a typical home in Coeur d'Alene, worth $483,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 63% of the typical household income in Coeur d'Alene, which is $72,338 a year. For that payment to be 28% of income, a household would need to earn about $163,056 a year.

The calculator's FHA and conventional loan limits are those of all of Kootenai County.

Your numbers

Local data
$

Starts at the typical home value in Coeur d'Alene. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,923 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,805

at 7.18% · 30 years

Loan amount
$474,742
Total interest
$683,043
Paid off in
November 2056

Includes $8,165 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,688 a month

  • Tight

    $1,688 to $2,170 a month

  • Hard

    more than $2,170 a month

    Your payment · 63%

Compared with the typical household income in Coeur d'Alene ($72,338 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,805
Principal & interest$3,216
Property tax$173
Home insurance$202
FHA mortgage insurance (MIP)$214

You need at least $16,923 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Coeur d'Alene and Kootenai County

Coeur d'Alene is in Kootenai County, Idaho. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Coeur d'Alene's own numbers

Typical home value
$483,500
Typical monthly rent
$1,468
Typical yearly household income
$72,338
Households that own their home
59%
Effective property tax rate
0.43%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Kootenai County

FHA limit, one-unit home
$572,700
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,507
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
2.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Kootenai County.

Everything about Kootenai County

Buying

Buying a home in Coeur d'Alene

A typical home in Coeur d'Alene is worth $483,500: 7% below the county and 16% above Idaho. With the typical household income in Coeur d'Alene ($72,338 a year), a typical home costs 6.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Coeur d'Alene 6.7 years
  • Kootenai 6.3 years
  • Idaho 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kootenai County

According to FHFA’s house price index, home prices in Kootenai County rose 164% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kootenai County.

Period County Idaho U.S.
Last year (2025) +2.9% +2.3% +2.9%
5 years (2020–2025) +60% +57% +47%
10 years (2015–2025) +164% +149% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Coeur d'Alene next to Kootenai County, Idaho and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Coeur d'Alene $483,500
  • Kootenai $518,700
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Coeur d'Alene $1,468
  • Kootenai $1,492
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Coeur d'Alene $72,338
  • Kootenai $81,861
  • Idaho $77,800
  • United States $80,734
See the full table
Coeur d'Alene next to Kootenai County and Idaho
Measure Coeur d'Alene Kootenai County Idaho U.S.
Typical home value $483,500 $518,700 $418,600 $332,700
Typical monthly rent $1,468 $1,492 $1,238 $1,413
Typical yearly household income $72,338 $81,861 $77,800 $80,734
Households that own their home 59% 71% 72% 65%
Typical yearly property tax $2,102 $2,267 $2,038 $3,119
Effective property tax rate 0.43% 0.44% 0.49% 0.94%
Renters with high rent for their income 57% 53% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kootenai County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Coeur d'Alene

For a typical $483,500 home in Coeur d'Alene, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Coeur d'Alene's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,805a month

    Least cash to close
    Down payment
    $16,923
    Cash to close
    $31,428
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $214

  • Conventional, 5% down $3,716a month

    Down payment
    $24,175
    Cash to close
    $38,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $230

  • Conventional, 20% down, no PMI $2,995a month

    Down payment
    $96,700
    Cash to close
    $111,205
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,442a month

    Down payment
    $72,525
    Cash to close
    $87,030
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Coeur d'Alene and for Kootenai County.

Property tax

Effective rate in Coeur d'Alene

0.43%of the home’s value each year

$2,102 a year for the typical owner in Coeur d'Alene.

  • Coeur d'Alene 0.43%
  • Kootenai 0.44%
  • Idaho 0.49%

What Idaho publishes Homeowner’s exemption (Idaho State Tax Commission)

Exemptions and deadlines in Idaho

Flood risk in Kootenai County

FEMA does not publish these numbers by city: they are for all of Kootenai County.

Homes in the high-risk zone
2.1%
1,420
Of those, with NFIP insurance
11%
County Idaho U.S.
Homes in the high-risk zone 2.1% 2% 3.5%
Of those, with NFIP insurance 11% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Coeur d'Alene

Typical rent in Coeur d'Alene is $1,468 a month: about the same as the county. In Coeur d'Alene, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kootenai County, by unit size. To pay the 2-bedroom one ($1,507 a month) without spending more than 30% of your income, you would need to earn $28.98 an hour working full time.

HUD fair market rent for all of Kootenai County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,272 $24.46 $50,880
1 bedroom $1,290 $24.81 $51,600
2 bedrooms $1,507 $28.98 $60,280
3 bedrooms $2,087 $40.13 $83,480
4 bedrooms $2,519 $48.44 $100,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Coeur d'Alene

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Coeur d'Alene has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,530 in 83814 to $1,620 in 83815.

2 of the 2 are above the fair market rent for Kootenai County ($1,507).

  • 83814 $1,530$2,120
  • 83815 $1,620$2,240

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Coeur d'Alene when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Coeur d'Alene

HUD lists 28 buildings with rents for lower incomes in Coeur d'Alene. These are the largest.

  • Falls Creek 2831 N Julia St, Coeur D Alene 83815 170 homes, 168 low-income · 1 bd: 42 · 2 bd: 86 · 3 bd: 42 · In service since 2008 · For families
  • Heritage Place 702 N Highway 95, Coeur D Alene 83814 130 homes, 129 low-income · For older adults (208) 664-8119
  • Lakeside Manor / Lakeside Village 3016 N Government Way, Coeur D Alene 83815 126 low-income homes · Studio: 10 · 1 bd: 62 · 2 bd: 24 · 3 bd: 30 · In service since 2018 · For older adults, families (208) 664-6800
  • Riverstone Place 2433 W John Loop, Coeur D Alene 83814 114 homes, 113 low-income · 1 bd: 18 · 2 bd: 66 · 3 bd: 30 · In service since 2014 · For families
  • Lake Wood Ranch 3755 N 4th St, Coeur D Alene 83815 80 homes, 79 low-income · 1 bd: 48 · 2 bd: 32 · In service since 1996 · For older adults

See all 53 buildings in Kootenai County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Coeur d'Alene

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Kootenai County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Coeur d'Alene

No down payment, repair or rent-help program on our list is for Coeur d'Alene or Kootenai County. The ones below are statewide in Idaho: they work in Coeur d'Alene the same as in the rest of the state.

Which programs do I qualify for? All programs in Idaho

Housing counselors near Coeur d'Alene

The HUD-approved agencies closest to the center of Coeur d'Alene, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Idaho Housing and Finance Association--Coeur D'alene Branch Office

    915 W Canfield Ave, Coeur D Alene · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    (877) 695-2655

  • Idaho Housing and Finance Association--Lewiston Branch Office

    2338 Nez Perce Dr, Lewiston · 90 miles away

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    (208) 743-0251

  • Debt Reduction Services, Inc. DBA Money Fit

    6213 N Cloverdale Rd, Boise · 280 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (877) 688-3328

Every agency in Kootenai County All counseling agencies in Idaho

Help in Spanish near Coeur d'Alene

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Coeur d'Alene

HUD lists no housing authority with an office in Kootenai County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Idaho Source: HUD

Cities

Other cities in Kootenai County

These cities are also in Kootenai County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Kootenai County Housing in Idaho

Nearby cities

The cities closest to Coeur d'Alene, with the typical home value.

Neighboring counties

If Kootenai County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Coeur d'Alene.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Coeur d'Alene

Short answers with the numbers for Coeur d'Alene and all of Kootenai County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Coeur d'Alene?

The typical home value in Coeur d'Alene is $483,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kootenai County it is $518,700.

How much does it cost to rent in Coeur d'Alene?

Typical rent in Coeur d'Alene is $1,468 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kootenai County is $1,507.

What is the FHA loan limit in Coeur d'Alene?

Coeur d'Alene uses the FHA limit for all of Kootenai County (2026): $572,700 for a one-unit home and $1,101,350 for a four-unit home.

How much property tax do owners pay in Coeur d'Alene?

The typical homeowner in Coeur d'Alene pays $2,102 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Kootenai County, the rate is 0.44%.

Where can I find free help to buy or rent in Coeur d'Alene?

There is 1 HUD-approved counseling agency with an office in Kootenai County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).