In Post Falls, a typical home is worth $477,400 and typical rent is $1,469 a month. Compared with all of Kootenai County, the typical home value is 8% lower and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $497,511 to $535,301.
Typical rent
$1,692a month
▲ 4.1% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,549 to $1,692.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Post Falls 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: 37% less than in Post Falls ($1,469).
2
Nearby, in Moscow, the typical home value is $376,400: 21% less than in Post Falls ($477,400).
3
64% of households in Post Falls own their home, against 71% in Kootenai County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Post Falls
What homes there are in Post Falls, 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
Post Falls
Kootenai County
Idaho
United States
Kind of home: Post Falls and its comparisons
Measure
Post Falls
Kootenai County
Idaho
United States
Detached house
70%
74%
74%
61%
Attached house
2%
3%
4%
6%
Building of 2 to 4
6%
5%
7%
8%
Apartments (5 or more)
18%
11%
9%
19%
Mobile home
4%
7%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Post Falls, but it weighs less than in Kootenai County: 70% against 74%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Post Falls
Kootenai County
Idaho
United States
Year built: Post Falls and its comparisons
Measure
Post Falls
Kootenai County
Idaho
United States
Before 1960
3%
10%
17%
26%
1960–1979
13%
20%
22%
24%
1980–1999
22%
27%
25%
25%
2000–2009
26%
20%
18%
14%
2010 or later
37%
23%
18%
11%
Here half of the homes date from 2005 or later; in Kootenai County, from 1996 or later.
In Post Falls, 73% of homes have 3 bedrooms or more, about the same as in Kootenai County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K7%
$300K–$500K41%
$500K–$750K34%
$750K–$1M7%
$1M or more3%
Value of owner-occupied homes: Post Falls and its comparisons
Measure
Post Falls
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
7%
$300K–$500K
41%
$500K–$750K
34%
$750K–$1M
7%
$1M or more
3%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99915%
$1,000–$1,49933%
$1,500–$1,99929%
$2,000–$2,4998%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Post Falls and its comparisons
Measure
Post Falls
Under $500
Unreliable estimate
$500–$999
15%
$1,000–$1,499
33%
$1,500–$1,999
29%
$2,000–$2,499
8%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,746 a month
Kootenai County: $1,849 a month
Without a mortgage
$522 a month
Kootenai County: $546 a month
Owners with a mortgage
74%
Kootenai County: 63%
Owning costs less in Post Falls: with a mortgage, the typical cost is $1,746 a month; in Kootenai County, $1,849. Without one, $522.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Post Falls+119%
Kootenai County+99%
Idaho+97%
United States+53%
Typical rent
Post Falls+45%
Kootenai County+50%
Idaho+45%
United States+33%
Typical household income
Post Falls+52%
Kootenai County+43%
Idaho+40%
United States+29%
Change since 2015–2019: Post Falls and its comparisons
Measure
Post Falls
Kootenai County
Idaho
United States
Typical home value
+119%
+99%
+97%
+53%
Typical rent
+45%
+50%
+45%
+33%
Typical household income
+52%
+43%
+40%
+29%
The typical home value in Post Falls rose 119% since 2015–2019, more than in Kootenai County (99%).
Since 2015–2019, the typical rent in Post Falls rose 45%, less than in Kootenai County (50%).
To compare: typical income in Post Falls rose 52%; the home, +119%; the rent, +45%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Post Falls and its comparisons
Measure
Post Falls
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
3.2%
2.1%
3.1%
3.4%
People per household
2.69
2.53
2.64
2.53
Drive alone
75%
74%
73%
69%
Carpool
9%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
13%
15%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
More households are short on space in Post Falls: 3.2% have more than one person per room; in Kootenai County, 2.1%.
On average, a household in Post Falls has 2.69 people, more than in Kootenai County (2.53).
To get to work, 75% of workers in Post Falls drive alone; in Kootenai County, 74%.
Do the math
What would you pay each month for a home in Post Falls?
A typical home costs more than the typical income allows
We start with a typical home in Post Falls, worth $477,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Post Falls, which is $82,183 a year. For that payment to be 28% of income, a household would need to earn about $161,510 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 Post Falls. 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 $16,709 (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
$3,769
at 7.18% · 30 years
Loan amount
$468,753
Total interest
$674,426
Paid off in
November 2056
Includes $8,062 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,918 a month
Tight
$1,918 to $2,465 a month
Hard
more than $2,465 a month
Your payment · 55%
Compared with the typical household income in Post Falls ($82,183 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,175
Property tax
$183
Home insurance
$199
FHA mortgage insurance (MIP)
$211
You need at least $16,709 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 $3,769; principal and interest $3,175.
The city and its county
Post Falls and Kootenai County
Post Falls 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).
Post Falls
Map of Kootenai County, Idaho, with Post Falls marked. Around it, the neighboring counties.
Post Falls
Kootenai County
Other cities with a page
Post Falls's own numbers
Typical home value
$477,400
Typical monthly rent
$1,469
Typical yearly household income
$82,183
Households that own their home
64%
Effective property tax rate
0.46%
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 Post Falls is worth $477,400: 8% below the county and 14% above Idaho. With the typical household income in Post Falls ($82,183 a year), a typical home costs 5.8 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.
Post Falls5.8 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
Post Falls 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
Post Falls$477,400
Kootenai$518,700
Idaho$418,600
United States$332,700
Typical monthly rent
Post Falls$1,469
Kootenai$1,492
Idaho$1,238
United States$1,413
Typical yearly household income
Post Falls$82,183
Kootenai$81,861
Idaho$77,800
United States$80,734
See the full table
Post Falls next to Kootenai County and Idaho
Measure
Post Falls
Kootenai County
Idaho
U.S.
Typical home value
$477,400 ▼8% below the county
$518,700
$418,600
$332,700
Typical monthly rent
$1,469
$1,492
$1,238
$1,413
Typical yearly household income
$82,183
$81,861
$77,800
$80,734
Households that own their home
64% ▼7 points below the county
71%
72%
65%
Typical yearly property tax
$2,206 ▼3% below the county
$2,267
$2,038
$3,119
Effective property tax rate
0.46% ▲0.02 points above the county
0.44%
0.49%
0.94%
Renters with high rent for their income
51% ▼2 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 Post Falls
For a typical $477,400 home in Post Falls, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Post Falls's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,769a month
Least cash to close
Down payment
$16,709
Cash to close
$31,031
Rate
7.18%
Mortgage insurance
FHA MIP · $211
Conventional, 5% down$3,681a month
Down payment
$23,870
Cash to close
$38,192
Rate
7.18%
Mortgage insurance
PMI · $227
Conventional, 20% down, no PMI$2,969a month
Down payment
$95,480
Cash to close
$109,802
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,411a month
Down payment
$71,610
Cash to close
$85,932
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Post Falls
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,769
$16,709
$468,753
7.18%
FHA MIP · $211
$31,031
580
Conventional, 5% down
$3,681
$23,870
$453,530
7.18%
PMI · $227
$38,192
620*
Conventional, 20% down, no PMI
$2,969
$95,480
$381,920
7.18%
None
$109,802
620*
ITIN, 15% down (example)
$3,411
$71,610
$405,790
8.18%
None
$85,932
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 Post Falls is $1,469 a month: about the same as the county. In Post Falls, 51% 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 Post Falls
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Post Falls is in ZIP code 83854.
For 2 bedrooms it is $1,480: $27 less than the fair market rent for Kootenai County ($1,507).
Fair market rent by ZIP code and size in Post Falls, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
83854
$1,250
$1,270
$1,480
$2,050
$2,470
ZIP code2 bd3 bd
83854 $1,480$2,050
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Post Falls 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 15 buildings with rents for lower incomes in Post Falls. These are the largest.
Pointe5791 W Expo Pkwy, Post Falls 8385475 homes, 74 low-income · 1 bd: 6 · 2 bd: 45 · 3 bd: 24 · In service since 2017 · For families
North Creek3642 W Chukar Cir, Post Falls 8385455 homes, 54 low-income · 2 bd: 36 · 3 bd: 19 · In service since 2007 · For families
Montrose2280 W Compass Loop, Post Falls 8385460 homes, 53 low-income · 1 bd: 12 · 2 bd: 36 · 3 bd: 12 · In service since 2007 · For families
Montrose Senior Apartments2265 W Compass Loop, Post Falls 8385460 homes, 53 low-income · 1 bd: 10 · 2 bd: 50 · In service since 2007 · For older adults
Park Ridge3321 E Park Ridge Loop, Post Falls 8385454 homes, 53 low-income · 2 bd: 20 · 3 bd: 34 · In service since 2005 · For families
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 Post Falls or Kootenai County. The ones below are statewide in Idaho: they work in Post Falls 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 Post Falls 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 Post Falls 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 Post Falls?
The typical home value in Post Falls is $477,400, 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 Post Falls?
Typical rent in Post Falls is $1,469 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 Post Falls?
Post Falls 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 Post Falls?
The typical homeowner in Post Falls pays $2,206 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Kootenai County, the rate is 0.44%.
Where can I find free help to buy or rent in Post Falls?
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.
