Coeur d'Alene, Idaho.
Typical home $606,227 (+3.3% in a year), asking rent $1,865 (+4.8%). Coeur d'Alene, ID metro.
to buy the typical home at today's mortgage rate — +$1,884 (+145%) since Jan 2020.
- 1 year
- Up $19,416 +3%
- $586,812$606,227 since Sep 2025
- 5 years
- Up $64,408 +12%
- $541,820$606,227 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Coeur d'Alene$3,182
- Idaho$2,502
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 31 years.
Typical home values in Coeur d'Alene, ID rose 3.3% over the past year — faster than the nation's +1.2%.
Asking rents in Coeur d'Alene, ID rose 4.8% over the past year — faster than the nation's +2.7%.
Owning the typical home in Coeur d'Alene runs $2,187/mo more than renting one. The gap peaked at $2,353 in Oct 2023.
That is $4,052 a month against $1,865 rent: a $3,182 mortgage payment, plus $221 property tax and $649 insurance & upkeep.
Owning vs renting — Coeur d'Alene
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,052
- Renting$1,865
- Mortgage only$3,182
Property tax · $221/mo 0.44% of value a year — the ACS 2020-2024 median bill over the median home value for Kootenai County, ID
Insurance & upkeep · $649/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Coeur d'Alene, Kootenai County, Idaho
Coeur d'Alene is a city of 54,628 people in Kootenai County. Half its households earn more than $72,338 a year and half less, against $81,861 across Kootenai County; 9% of its people live below the poverty line. 60% of its homes are lived in by their owners and 40% are rented. Unemployment in Coeur d'Alene was 3.8% in August 2026, and Kootenai County had 1.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Coeur d'Alene is a city in Kootenai County, in the northern panhandle of Idaho. Household incomes here run below the county's as a whole, and homes sell at prices that many buyers would call steep next to local pay. Most households own their homes, though a good number rent, and the typical rent is high for a city of this size. Winters are cold, with December highs hovering just above freezing, while summers are warm, peaking in August.
Work. Many residents work in schools, hospitals and social care, followed by restaurants, hotels and entertainment, professional and business services, and shops. Among the largest workplaces in the city are Kootenai Health, the Coeur d'Alene school district and North Idaho College. Unemployment has held steady over the past year, and the county has added jobs at a slow pace. Commutes are short, and a fair number of people work from home.
Things to do. The North Idaho Centennial Trail runs in or beside town, and Fort Sherman, a former fort, is close by as well. A short drive away is Lake Hayden, a quiet lake. Farther out, a longer drive brings you to Coeur d'Alene Lake, a large lake that shapes much of the area's outdoor life.
Report a mistake
- 23,963households
- 31%of adults have a degree
- 9%below the poverty line
- 18 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Kootenai County had 71,925 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 36° and lows near 26°; warmest in August, with highs near 83° and lows near 56°. About 25 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Coeur D'alene weather station, a mile away (NOAA).
Largest workplaces in Coeur d'Alene
- Kootenai Health4,421
- Coeur D'alene DistrictSchool district1,024FTE
- North Idaho CollegeTwo-year college869
- Costco WholesaleWholesale grocer428
- Fred Meyer StoresWarehouse clubs and supercenters245
- Alpha Services IdahoForestry services212
- Forest ServiceFederal government · Department of Agriculture210
- Lowe's Companies, INCHomecenter174
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 46 workplaces with 20 or more staff, 8,257 people in all. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Cold wavesrelatively high in parts of Coeur d'AleneRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Coeur d'Alene’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Kootenai County and the Coeur d'Alene, ID metro.
Coeur d'Alene home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Coeur d'Alene$606,227
- Idaho$476,754
- United States$366,157
Sellers are cutting prices on about 1 in 3 Coeur d'Alene listings, and the typical home goes pending in 33 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Coeur d'Alene28.73%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Coeur d'Alene33
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Coeur d'Alene496
New listings per month
Sellers arriving at the market.
- Coeur d'Alene118
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Coeur d'Alene$630,551
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Coeur d'Alene98.13%
Zip codes with a Coeur d'Alene address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Coeur d'Alene — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Coeur d'Alene
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 83815 | Coeur D Alene | 41,405 | $1,980 | $565,490 |
| 83814 | Coeur D Alene | 26,059 | $1,808 | $739,041 |