In Sandpoint, a typical home is worth $465,600 and typical rent is $1,125 a month. Compared with all of Bonner County, typical household income is 8% higher and the share of households that own their home is 21 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $553,110 to $639,739.
Typical rent
$1,871a month
Typical rent from Zillow, December 2025 to September 2026: from $1,751 to $1,871.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sandpoint is in Bonner County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Bonner County. See the county
What this place has that others do not, from public data, most unusual first.
1
57% of households in Sandpoint own their home, against 78% in Bonner County.
2
Nearby, in Moscow, the typical home value is $376,400: 19% less than in Sandpoint ($465,600).
3
Nearby, in Moscow, the typical rent is $927: 18% less than in Sandpoint ($1,125).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sandpoint
What homes there are in Sandpoint, 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
Sandpoint
Bonner County
Idaho
United States
Kind of home: Sandpoint and its comparisons
Measure
Sandpoint
Bonner County
Idaho
United States
Detached house
61%
75%
74%
61%
Attached house
9%
4%
4%
6%
Building of 2 to 4
6%
3%
7%
8%
Apartments (5 or more)
22%
6%
9%
19%
Mobile home
Unreliable estimate
11%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Sandpoint (61%), but less so than in Bonner County (75%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sandpoint
Bonner County
Idaho
United States
Year built: Sandpoint and its comparisons
Measure
Sandpoint
Bonner County
Idaho
United States
Before 1960
27%
16%
17%
26%
1960–1979
16%
21%
22%
24%
1980–1999
23%
30%
25%
25%
2000–2009
12%
19%
18%
14%
2010 or later
22%
16%
18%
11%
Homes in Sandpoint are older: the typical year built is 1985; in Bonner County, 1990.
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–$300K6%
$300K–$500K42%
$500K–$750K24%
$750K–$1M13%
$1M or moreUnreliable
Value of owner-occupied homes: Sandpoint and its comparisons
Measure
Sandpoint
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
6%
$300K–$500K
42%
$500K–$750K
24%
$750K–$1M
13%
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50017%
$500–$99926%
$1,000–$1,49925%
HUD fair market rent, 2 bedrooms: $1,328
$1,500–$1,99923%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sandpoint and its comparisons
Measure
Sandpoint
Under $500
17%
$500–$999
26%
$1,000–$1,499
25%
$1,500–$1,999
23%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 59% of rented homes in Sandpoint cost less than HUD's 2-bedroom fair market rent for Bonner County ($1,328); the rest cost more.
With a mortgage
$1,556 a month
Bonner County: $1,822 a month
Without a mortgage
$580 a month
Bonner County: $493 a month
Owners with a mortgage
54%
Bonner County: 52%
In Sandpoint, 54% of owners have a mortgage, and their typical cost is $1,556 a month, against $1,822 in Bonner County. Without one it drops to $580.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sandpoint+87%
Bonner County+92%
Idaho+97%
United States+53%
Typical rent
SandpointNo clear change
Bonner County+32%
Idaho+45%
United States+33%
Typical household income
Sandpoint+65%
Bonner County+33%
Idaho+40%
United States+29%
Change since 2015–2019: Sandpoint and its comparisons
Measure
Sandpoint
Bonner County
Idaho
United States
Typical home value
+87%
+92%
+97%
+53%
Typical rent
No clear change
+32%
+45%
+33%
Typical household income
+65%
+33%
+40%
+29%
From 2015–2019 to 2020–2024, the typical home value in Sandpoint rose 87%; in Bonner County, it rose 92%.
Rent in Sandpoint moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sandpoint and its comparisons
Measure
Sandpoint
Bonner County
Idaho
United States
Rental vacancy
Unreliable estimate
4.4%
3.9%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
5.0%
3.1%
3.4%
People per household
2.28
2.49
2.64
2.53
Drive alone
71%
73%
73%
69%
Carpool
Unreliable estimate
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
10%
5%
3%
3%
Work from home
10%
12%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Households in Sandpoint are smaller: 2.28 people on average; in Bonner County, 2.49.
Many here get to work on foot or by bike: 10%, more than in Bonner County (5%).
Do the math
What would you pay each month for a home in Sandpoint?
A typical home costs more than the typical income allows
We start with a typical home in Sandpoint, worth $465,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 61% of the typical household income in Sandpoint, which is $72,289 a year. For that payment to be 28% of income, a household would need to earn about $158,183 a year.
The calculator's FHA and conventional loan limits are those of all of Bonner 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 Sandpoint. 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 $16,296 (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
$3,691
at 7.18% · 30 years
Loan amount
$457,167
Total interest
$657,756
Paid off in
November 2056
Includes $7,863 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,687 a month
Tight
$1,687 to $2,169 a month
Hard
more than $2,169 a month
Your payment · 61%
Compared with the typical household income in Sandpoint ($72,289 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,097
Property tax
$194
Home insurance
$194
FHA mortgage insurance (MIP)
$206
You need at least $16,296 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 $3,691; principal and interest $3,097.
The city and its county
Sandpoint and Bonner County
Sandpoint is in Bonner 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).
Sandpoint
Map of Bonner County, Idaho, with Sandpoint marked. Around it, the neighboring counties.
Sandpoint
Bonner County
Other cities with a page
Sandpoint's own numbers
Typical home value
$465,600
Typical monthly rent
$1,125
Typical yearly household income
$72,289
Households that own their home
57%
Effective property tax rate
0.5%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bonner County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,328
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
4.6%
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 Bonner County.
A typical home in Sandpoint is worth $465,600: 5% below the county and 11% above Idaho. With the typical household income in Sandpoint ($72,289 a year), a typical home costs 6.4 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.
Sandpoint6.4 years
Bonner7.3 years
Idaho5.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bonner County
According to FHFA’s house price index, home prices in Bonner County rose 156% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bonner County.
Yearly change in FHFA’s price index in Bonner County, 2016 to 2025
2016: +5.9% +5.9% 2016
2017: +8.3% +8.3% 2017
2018: +12.4% +12.4% 2018
2019: +9.8% +9.8% 2019
2020: +10.2% +10.2% 2020
2021: +19.5% +19.5% 2021
2022: +26.7% +26.7% 2022
2023: +0.7% +0.7% 2023
2024: +6.3% +6.3% 2024
2025: +1.3% +1.3% 2025
Change in FHFA’s price index in Bonner County, Idaho and the United States
Period
County
Idaho
U.S.
Last year (2025)
+1.3%
+2.3%
+2.9%
5 years (2020–2025)
+64%
+57%
+47%
10 years (2015–2025)
+156%
+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
Sandpoint next to Bonner 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
Sandpoint$465,600
Bonner$487,900
Idaho$418,600
United States$332,700
Typical monthly rent
Sandpoint$1,125
Bonner$1,122
Idaho$1,238
United States$1,413
Typical yearly household income
Sandpoint$72,289
Bonner$66,979
Idaho$77,800
United States$80,734
See the full table
Sandpoint next to Bonner County and Idaho
Measure
Sandpoint
Bonner County
Idaho
U.S.
Typical home value
$465,600 ▼5% below the county
$487,900
$418,600
$332,700
Typical monthly rent
$1,125
$1,122
$1,238
$1,413
Typical yearly household income
$72,289 ▲8% above the county
$66,979
$77,800
$80,734
Households that own their home
57% ▼21 points below the county
78%
72%
65%
Typical yearly property tax
$2,347 ▲27% above the county
$1,847
$2,038
$3,119
Effective property tax rate
0.5% ▲0.12 points above the county
0.38%
0.49%
0.94%
Renters with high rent for their income
52% ▲7 points above the county
45%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bonner 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 Sandpoint
For a typical $465,600 home in Sandpoint, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sandpoint's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,691a month
Least cash to close
Down payment
$16,296
Cash to close
$30,264
Rate
7.18%
Mortgage insurance
FHA MIP · $206
Conventional, 5% down$3,606a month
Down payment
$23,280
Cash to close
$37,248
Rate
7.18%
Mortgage insurance
PMI · $221
Conventional, 20% down, no PMI$2,911a month
Down payment
$93,120
Cash to close
$107,088
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,342a month
Down payment
$69,840
Cash to close
$83,808
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sandpoint
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,691
$16,296
$457,167
7.18%
FHA MIP · $206
$30,264
580
Conventional, 5% down
$3,606
$23,280
$442,320
7.18%
PMI · $221
$37,248
620*
Conventional, 20% down, no PMI
$2,911
$93,120
$372,480
7.18%
None
$107,088
620*
ITIN, 15% down (example)
$3,342
$69,840
$395,760
8.18%
None
$83,808
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 Sandpoint is $1,125 a month: about the same as the county. In Sandpoint, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bonner County, by unit size. To pay the 2-bedroom one ($1,328 a month) without spending more than 30% of your income, you would need to earn $25.54 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 Bonner County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,009
$19.40
$40,360
1 bedroom
$1,015
$19.52
$40,600
2 bedrooms
$1,328
$25.54
$53,120
3 bedrooms
$1,839
$35.37
$73,560
4 bedrooms
$2,191
$42.13
$87,640
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 Sandpoint
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sandpoint is in ZIP code 83864.
For 2 bedrooms it is $1,470: $142 more than the fair market rent for Bonner County ($1,328).
Fair market rent by ZIP code and size in Sandpoint, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
83864
$1,120
$1,120
$1,470
$2,040
$2,430
ZIP code2 bd3 bd
83864 $1,470$2,040
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sandpoint 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)
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.
We found no HUD-approved agencies with an office in Bonner County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Sandpoint or Bonner County. The ones below are statewide in Idaho: they work in Sandpoint 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 Sandpoint or Bonner 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 Sandpoint and all of Bonner 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 Sandpoint?
The typical home value in Sandpoint is $465,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bonner County it is $487,900.
How much does it cost to rent in Sandpoint?
Typical rent in Sandpoint is $1,125 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bonner County is $1,328.
What is the FHA loan limit in Sandpoint?
Sandpoint uses the FHA limit for all of Bonner County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Sandpoint?
The typical homeowner in Sandpoint pays $2,347 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Bonner County, the rate is 0.38%.
Where can I find free help to buy or rent in Sandpoint?
We found no HUD-approved counseling agencies with an office in Bonner County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
