Typical home value from Zillow, September 2021 to September 2026: from $564,892 to $647,889.
Typical rent
$2,184a month
▲ 1.8% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $2,013 to $2,184.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hayden 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Moscow, the typical rent is $927: 47% less than in Hayden ($1,733).
2
Nearby, in Moscow, the typical home value is $376,400: 24% less than in Hayden ($494,500).
3
The typical rent in Hayden is $1,733 a month, 16% more than in Kootenai County as a whole ($1,492).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hayden
What homes there are in Hayden, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Hayden
Kootenai County
Idaho
United States
Kind of home: Hayden and its comparisons
Measure
Hayden
Kootenai County
Idaho
United States
Detached house
77%
74%
74%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
8%
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
11%
9%
19%
Mobile home
8%
7%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 77% of homes here, against 74% in Kootenai County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Hayden
Kootenai County
Idaho
United States
Year built: Hayden and its comparisons
Measure
Hayden
Kootenai County
Idaho
United States
Before 1960
3%
10%
17%
26%
1960–1979
18%
20%
22%
24%
1980–1999
39%
27%
25%
25%
2000–2009
24%
20%
18%
14%
2010 or later
16%
23%
18%
11%
By age, homes in Hayden look like those in Kootenai County: the typical year built is 1997.
Homes in Hayden are bigger: 78% have 3 bedrooms or more; in Kootenai County, 70%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K9%
$100K–$200K3%
$200K–$300KUnreliable
$300K–$500K33%
$500K–$750K30%
$750K–$1M14%
$1M or more5%
Value of owner-occupied homes: Hayden and its comparisons
Measure
Hayden
Under $100K
9%
$100K–$200K
3%
$200K–$300K
Unreliable estimate
$300K–$500K
33%
$500K–$750K
30%
$750K–$1M
14%
$1M or more
5%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49920%
$1,500–$1,99948%
$2,000–$2,49916%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hayden and its comparisons
Measure
Hayden
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
20%
$1,500–$1,999
48%
$2,000–$2,499
16%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,718 a month
Kootenai County: $1,849 a month
Without a mortgage
$524 a month
Kootenai County: $546 a month
Owners with a mortgage
62%
Kootenai County: 63%
In Hayden, 62% of owners have a mortgage, and their typical cost is $1,718 a month, against $1,849 in Kootenai County. Without one it drops to $524.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hayden+93%
Kootenai County+99%
Idaho+97%
United States+53%
Typical rent
Hayden+62%
Kootenai County+50%
Idaho+45%
United States+33%
Typical household income
Hayden+46%
Kootenai County+43%
Idaho+40%
United States+29%
Change since 2015–2019: Hayden and its comparisons
Measure
Hayden
Kootenai County
Idaho
United States
Typical home value
+93%
+99%
+97%
+53%
Typical rent
+62%
+50%
+45%
+33%
Typical household income
+46%
+43%
+40%
+29%
Homes in Hayden gained value more slowly than in Kootenai County: 93% since 2015–2019, against 99%.
The typical rent in Hayden rose 62% over the same time; in Kootenai County, it rose 50%.
Housing prices ran ahead of income in Hayden: typical income rose 46%, against +93% for home values and +62% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hayden and its comparisons
Measure
Hayden
Kootenai County
Idaho
United States
Rental vacancy
Unreliable estimate
4.9%
3.9%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.7%
0.9%
More than one person per room
Unreliable estimate
2.1%
3.1%
3.4%
People per household
2.62
2.53
2.64
2.53
Drive alone
68%
74%
73%
69%
Carpool
10%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
21%
15%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
A household in Hayden has 2.62 people on average, about the same as in Kootenai County (2.53).
In Hayden, 21% of workers work from home, more than in Kootenai County (15%).
Do the math
What would you pay each month for a home in Hayden?
A typical home costs more than the typical income allows
We start with a typical home in Hayden, worth $494,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Hayden, which is $82,958 a year. For that payment to be 28% of income, a household would need to earn about $165,882 a year.
The calculator's FHA and conventional loan limits are those of all of Kootenai County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Hayden. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $17,308 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,871
at 7.18% · 30 years
Loan amount
$485,543
Total interest
$698,582
Paid off in
November 2056
Includes $8,351 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,936 a month
Tight
$1,936 to $2,489 a month
Hard
more than $2,489 a month
Your payment · 56%
Compared with the typical household income in Hayden ($82,958 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,289
Property tax
$157
Home insurance
$206
FHA mortgage insurance (MIP)
$219
You need at least $17,308 for the down payment, plus closing costs.
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.
Total monthly payment $3,871; principal and interest $3,289.
The city and its county
Hayden and Kootenai County
Hayden 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).
Hayden
Map of Kootenai County, Idaho, with Hayden marked. Around it, the neighboring counties.
Hayden
Kootenai County
Other cities with a page
Hayden's own numbers
Typical home value
$494,500
Typical monthly rent
$1,733
Typical yearly household income
$82,958
Households that own their home
75%
Effective property tax rate
0.38%
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.
A typical home in Hayden is worth $494,500: 5% below the county and 18% above Idaho. With the typical household income in Hayden ($82,958 a year), a typical home costs 6.0 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.
Hayden6.0 years
Kootenai6.3 years
Idaho5.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Kootenai County, 2016 to 2025
2016: +8.6% +8.6% 2016
2017: +11.2% +11.2% 2017
2018: +12.7% +12.7% 2018
2019: +10.5% +10.5% 2019
2020: +9.5% +9.5% 2020
2021: +24.3% +24.3% 2021
2022: +21.4% +21.4% 2022
2023: −0.9% −0.9% 2023
2024: +3.9% +3.9% 2024
2025: +2.9% +2.9% 2025
Change in FHFA’s price index in Kootenai County, Idaho and the United States
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
Hayden 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
Hayden$494,500
Kootenai$518,700
Idaho$418,600
United States$332,700
Typical monthly rent
Hayden$1,733
Kootenai$1,492
Idaho$1,238
United States$1,413
Typical yearly household income
Hayden$82,958
Kootenai$81,861
Idaho$77,800
United States$80,734
See the full table
Hayden next to Kootenai County and Idaho
Measure
Hayden
Kootenai County
Idaho
U.S.
Typical home value
$494,500 ▼5% below the county
$518,700
$418,600
$332,700
Typical monthly rent
$1,733 ▲16% above the county
$1,492
$1,238
$1,413
Typical yearly household income
$82,958
$81,861
$77,800
$80,734
Households that own their home
75% ▲4 points above the county
71%
72%
65%
Typical yearly property tax
$1,893 ▼16% below the county
$2,267
$2,038
$3,119
Effective property tax rate
0.38% ▼0.06 points below the county
0.44%
0.49%
0.94%
Renters with high rent for their income
48% ▼5 points below the county
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 Hayden
For a typical $494,500 home in Hayden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hayden's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,871a month
Least cash to close
Down payment
$17,308
Cash to close
$32,143
Rate
7.18%
Mortgage insurance
FHA MIP · $219
Conventional, 5% down$3,780a month
Down payment
$24,725
Cash to close
$39,560
Rate
7.18%
Mortgage insurance
PMI · $235
Conventional, 20% down, no PMI$3,043a month
Down payment
$98,900
Cash to close
$113,735
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,500a month
Down payment
$74,175
Cash to close
$89,010
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hayden
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,871
$17,308
$485,543
7.18%
FHA MIP · $219
$32,143
580
Conventional, 5% down
$3,780
$24,725
$469,775
7.18%
PMI · $235
$39,560
620*
Conventional, 20% down, no PMI
$3,043
$98,900
$395,600
7.18%
None
$113,735
620*
ITIN, 15% down (example)
$3,500
$74,175
$420,325
8.18%
None
$89,010
Set by the lender
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.
Typical rent in Hayden is $1,733 a month: 16% above the county. In Hayden, 48% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kootenai County (Fiscal year 2027)
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 Hayden
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hayden is in ZIP code 83835.
For 2 bedrooms it is $1,800: $293 more than the fair market rent for Kootenai County ($1,507).
Fair market rent by ZIP code and size in Hayden, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
83835
$1,520
$1,540
$1,800
$2,490
$3,010
ZIP code2 bd3 bd
83835 $1,800$2,490
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hayden 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Hayden. These are the largest.
Hayden Country Ridge61 E Country Ridge Ct, Hayden 8383545 homes, 39 low-income · 1 bd: 9 · 2 bd: 27 · 3 bd: 9 · In service since 2001 · For older adults
Sarah Street9359 N Government Way, Hayden 8383536 homes, 35 low-income · 1 bd: 36 · In service since 1993 · For older adults
Hayden Crossing88 W Sargent Dr, Hayden 8383530 homes, 23 low-income · 1 bd: 12 · 2 bd: 18 · In service since 2003 · For older adults
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.
No down payment, repair or rent-help program on our list is for Hayden or Kootenai County. The ones below are statewide in Idaho: they work in Hayden the same as in the rest of the state.
Idaho state association second mortgage for up to 8% of the price for the down payment or closing costs, repaid in small monthly installments along with the first mortgage; you do not need to be a first-time buyer.Offered by Idaho Housing and Finance Association.
No legal help resource on our list is for Hayden or Kootenai County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Hayden 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 Hayden?
The typical home value in Hayden is $494,500, 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 Hayden?
Typical rent in Hayden is $1,733 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 Hayden?
Hayden 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 Hayden?
The typical homeowner in Hayden pays $1,893 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Kootenai County, the rate is 0.44%.
Where can I find free help to buy or rent in Hayden?
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.
