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City · 10,874 residents · Kootenai County, Idaho

Rathdrum , Idaho

In Rathdrum, a typical home is worth $444,100 and typical rent is $1,459 a month. Compared with all of Kootenai County, the typical home value is 14% lower, typical household income is 6% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $444,100

    14% below the county

    6% above Idaho

    • Rathdrum
    • Kootenai
    • Idaho

  • Typical rent

    $1,459a month

    2% below the county

    18% above Idaho

    • Rathdrum
    • Kootenai
    • Idaho

  • Typical household income

    $86,563a year

    6% above the county

    11% above Idaho

    • Rathdrum
    • Kootenai
    • Idaho

  • Households that own their home

    77%

    6 points above the county

    5 points above Idaho

    • Rathdrum
    • Kootenai
    • Idaho

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

Market now, with Zillow data

Zillow data
Typical home value
$582,382
3% more than 12 months ago
Typical rent
$1,945 a month

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

Rathdrum 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 Rathdrum apart

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

  1. Nearby, in Moscow, the typical rent is $927: 36% less than in Rathdrum ($1,459).

  2. Nearby, in Moscow, the typical home value is $376,400: 15% less than in Rathdrum ($444,100).

  3. 77% of households in Rathdrum own their home, against 71% in Kootenai County.

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

The homes here

Housing in Rathdrum

What homes there are in Rathdrum, 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

The detached house rules in Rathdrum: 82% of homes, more than in Kootenai County (74%).

Year built

Here half of the homes date from 2005 or later; in Kootenai County, from 1996 or later.

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
Monthly rent with utilities

With a mortgage

$1,677 a month

Kootenai County: $1,849 a month

Without a mortgage

$493 a month

Kootenai County: $546 a month

Owners with a mortgage

69%

Kootenai County: 63%

The typical cost for an owner with a mortgage in Rathdrum is $1,677 a month, less than in Kootenai County ($1,849); without one, $493.

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, home values in Rathdrum rose at about the same pace as in Kootenai County: 101% against 99%.

Since 2015–2019, the typical rent in Rathdrum rose 37%, less than in Kootenai County (50%).

While home values in Rathdrum changed +101% and rent +37%, the typical household income rose 51%.

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

MeasureRathdrumKootenai CountyIdahoUnited States
Rental vacancy Unreliable estimate4.9%3.9%5.5%
Homeowner vacancy Unreliable estimate1.0%0.7%0.9%
More than one person per room Unreliable estimate2.1%3.1%3.4%
People per household 2.692.532.642.53
Drive alone 80%74%73%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 9%15%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

On average, a household in Rathdrum has 2.69 people, more than in Kootenai County (2.53).

In Rathdrum, 80% of workers drive alone to work; 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 Rathdrum?

A typical home costs more than the typical income allows

We start with a typical home in Rathdrum, worth $444,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Rathdrum, which is $86,563 a year. For that payment to be 28% of income, a household would need to earn about $150,086 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 Rathdrum. 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 $15,544 (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

$3,502

at 7.18% · 30 years

Loan amount
$436,056
Total interest
$627,382
Paid off in
November 2056

Includes $7,500 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,020 a month

  • Tight

    $2,020 to $2,597 a month

  • Hard

    more than $2,597 a month

    Your payment · 49%

Compared with the typical household income in Rathdrum ($86,563 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,502
Principal & interest$2,954
Property tax$167
Home insurance$185
FHA mortgage insurance (MIP)$196

You need at least $15,544 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

Rathdrum and Kootenai County

Rathdrum 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).

Rathdrum's own numbers

Typical home value
$444,100
Typical monthly rent
$1,459
Typical yearly household income
$86,563
Households that own their home
77%
Effective property tax rate
0.45%

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 Rathdrum

A typical home in Rathdrum is worth $444,100: 14% below the county and 6% above Idaho. With the typical household income in Rathdrum ($86,563 a year), a typical home costs 5.1 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.

  • Rathdrum 5.1 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

Rathdrum 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
  • Rathdrum $444,100
  • Kootenai $518,700
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Rathdrum $1,459
  • Kootenai $1,492
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Rathdrum $86,563
  • Kootenai $81,861
  • Idaho $77,800
  • United States $80,734
See the full table
Rathdrum next to Kootenai County and Idaho
Measure Rathdrum Kootenai County Idaho U.S.
Typical home value $444,100 $518,700 $418,600 $332,700
Typical monthly rent $1,459 $1,492 $1,238 $1,413
Typical yearly household income $86,563 $81,861 $77,800 $80,734
Households that own their home 77% 71% 72% 65%
Typical yearly property tax $2,009 $2,267 $2,038 $3,119
Effective property tax rate 0.45% 0.44% 0.49% 0.94%
Renters with high rent for their income 53% 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 Rathdrum

For a typical $444,100 home in Rathdrum, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rathdrum's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,502a month

    Least cash to close
    Down payment
    $15,544
    Cash to close
    $28,867
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $196

  • Conventional, 5% down $3,421a month

    Down payment
    $22,205
    Cash to close
    $35,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $211

  • Conventional, 20% down, no PMI $2,758a month

    Down payment
    $88,820
    Cash to close
    $102,143
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,169a month

    Down payment
    $66,615
    Cash to close
    $79,938
    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 Rathdrum and for Kootenai County.

Property tax

Effective rate in Rathdrum

0.45%of the home’s value each year

$2,009 a year for the typical owner in Rathdrum.

  • Rathdrum 0.45%
  • 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 Rathdrum

Typical rent in Rathdrum is $1,459 a month: 2% below the county. In Rathdrum, 53% 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 Rathdrum

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rathdrum is in ZIP code 83858.

For 2 bedrooms it is $1,400: $107 less than the fair market rent for Kootenai County ($1,507).

  • 83858 $1,400$1,940

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rathdrum 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 Rathdrum

HUD lists 5 buildings with rents for lower incomes in Rathdrum. These are the largest.

  • Park Wood Place 15760 N Westwood Dr, Rathdrum 83858 36 homes, 35 low-income · 1 bd: 4 · 2 bd: 24 · 3 bd: 8 · In service since 2004 · For families
  • Park Wood Place II 15855 N Meyer Rd, Rathdrum 83858 36 homes, 28 low-income · 1 bd: 4 · 2 bd: 22 · 3 bd: 10 · In service since 2006 · For families
  • Treehouse - Rathdrum 14462 N Treehouse Ct, Rathdrum 83858 36 homes, 28 low-income · 1 bd: 4 · 2 bd: 24 · 3 bd: 8 · In service since 2002 · For families
  • Timber Cove 8131 W Montana St, Rathdrum 83858 22 homes, 21 low-income · 1 bd: 20 · 2 bd: 2 · In service since 2002 · For older adults
  • Pine Grove Village 7032 W Heritage St, Rathdrum 83858 16 low-income homes · 1 bd: 15 · 2 bd: 1 · In service since 1992 · For older adults

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

Free help

Help to buy or rent in Rathdrum

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.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Rathdrum

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

Which programs do I qualify for? All programs in Idaho

Housing counselors near Rathdrum

The HUD-approved agencies closest to the center of Rathdrum, 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 · 6 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 · 96 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 · 287 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 Rathdrum

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 Rathdrum

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 Rathdrum, 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 Rathdrum.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Rathdrum

Short answers with the numbers for Rathdrum 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 Rathdrum?

The typical home value in Rathdrum is $444,100, 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 Rathdrum?

Typical rent in Rathdrum is $1,459 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 Rathdrum?

Rathdrum 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 Rathdrum?

The typical homeowner in Rathdrum pays $2,009 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Kootenai County, the rate is 0.44%.

Where can I find free help to buy or rent in Rathdrum?

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).