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Featured local agent — Garden Valley, ID
Sarah Mitchell
Compass Real Estate · Garden Valley, ID
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Garden Valley, ID Housing Market
The last median sale price Redfin published was $587,269, -20.1% year over year (through May 2026). With 2.5 months of supply and homes going under contract in about 9 days, Garden Valley is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $587,269 home is about $3,135/mo in principal and interest.
Key numbers for Garden Valley, ID
Median sale price
$587,269
-20.1% year over year
Redfin, through May 2026
Days on market
9
Fast-moving
Redfin, through May 2026
Active listings
5
2.5 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$91,042
Home costs 6.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Garden Valley a buyer's or seller's market?
Garden Valley, ID is a seller's market, based on 2.5 months of supply and homes selling in about 9 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Garden Valley housing market data show?
Every row below is Redfin's final published month for Garden Valley, ID. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $587,269 |
| Median list price | $869,350 |
| Year-over-year price change | -20.1% |
| Median price per sq ft | $377/sq ft |
| Median days on market | 9 days |
| Active inventory | 5 listings |
| Months of supply | 2.5 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 2 |
| New listings (that month) | 2 |
| Listings with a price cut | 80.0% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Garden Valley is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Garden Valley is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Garden Valley home prices moved?
Across the 34 months we hold for Garden Valley, ID, the median sale price fell 19.0%, from $725,000 in April 2021 to $587,269. 80.0% of Garden Valley listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.5 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Garden Valley?
Priced off the median sale price of $587,269 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $117,454 | $469,815 | $3,135/mo |
| 5% | $29,363 | $557,905 | $3,723/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $3,135, that implies roughly $134,364 a year before you add taxes and insurance. The median household in Garden Valley earns $91,042, about $43,322 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 6.5x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Garden Valley in the next 12 months?
Tell us your timeline. We send the Garden Valley market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Garden Valley?
Zillow does not publish a rent index (ZORI) for Garden Valley, ID, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Garden Valley?
Active listings in Garden Valley, ID went from 4 in June 2024 to 5 in May 2026, a +25.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| August 2024 | 6 | 2 |
| September 2024 | 6 | 1 |
| February 2025 | 7 | 1 |
| March 2025 | 6 | not published |
| May 2025 | 9 | 3 |
| June 2025 | 8 | 1 |
| July 2025 | 9 | 2 |
| August 2025 | 10 | 2 |
| October 2025 | 6 | not published |
| December 2025 | 5 | not published |
| March 2026 | 5 | 4 |
| May 2026 | 5 | 2 |
Redfin, through May 2026
How does Garden Valley compare to Idaho and the U.S.?
Garden Valley homes sell for $587,269 — 17% above the Idaho median of $503,400. Against the national median of $410,700, Garden Valley runs 43% higher. Year-over-year, Garden Valley moved -20.1% against Idaho's +1.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Garden Valley, ID | $587,269 | -20.1% | 9 days |
| Idaho statewide | $503,400 | +1.3% | 35 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Garden Valley
What buyers should watch
- Months of supply, currently 2.5. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 80.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $588 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $587,269 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Garden Valley listing goes under contract in 9 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Garden Valley added 2 new listings against 2 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Garden Valley varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Garden Valley
There are currently 5 homes listed for sale in Garden Valley, Idaho. The median listing price is $869K.
Active listings
5
Homes on market
Median list price
$869K
Avg. days on market
9
Days until sale
New this week
2
Newly listed
How much do homes cost in Garden Valley by property type?
How the Garden Valley, ID market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $587,269 | $377/sq ft | 2 | 9 days |
Who lives in Garden Valley?
American Community Survey estimates for Garden Valley. U.S. Census ACS, 2023
Population
364
Households
129
Median income
$91,042/yr
Median age
36.8 years
Owner-occupied
76.7%
Median gross rent
$938/mo
Mean commute
9.6 min
76.7% of occupied homes in Garden Valley are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which public schools serve Garden Valley?
1 schools tracked · 253 students
The largest public schools serving Garden Valley, ID by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
GARDEN VALLEY SCHOOL
Grades PK-12 · 253 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Garden Valley, ID?
Ordered by distance from Garden Valley, not by size. Compare Garden Valley side by side with any of them.
Garden Valley housing market FAQ
Is Garden Valley a buyer's or seller's market?
Garden Valley, ID is currently a seller's market. That read comes from 2.5 months of supply, homes going under contract in about 9 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Garden Valley?
The median sale price in the last month Redfin published was $587,269, about $377 per square foot.
Is Garden Valley cheaper than the rest of Idaho?
Garden Valley's median sale price of $587,269 is 17% higher than the Idaho statewide median of $503,400, and 43% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Garden Valley?
Homes in Garden Valley, ID spent a median of 9 days on market before going under contract, versus 35 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Garden Valley?
At the current 30-year fixed rate of 7.03%, 20% down on a $587,269 home is about $3,135 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $134,364 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $91,042.
Are home prices rising in Garden Valley?
Redfin's last published year-over-year change for Garden Valley, ID was -20.1%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Garden Valley?
Garden Valley ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Garden Valley?
That depends on your timeline, not on a headline. What the data says today: Garden Valley, ID is a seller's market with 2.5 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $587,269, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.