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Featured local agent — Idaho City, ID
Sarah Mitchell
Compass Real Estate · Idaho City, ID
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Idaho City, ID Housing Market
The typical home in Idaho City, ID is worth $408,921, rose 4.7% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $189,000 (through May 2026). With 2.0 months of supply and homes going under contract in about 548 days, Idaho City is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $408,921 home is about $2,102/mo in principal and interest.
Key numbers for Idaho City, ID
Typical home value
$408,921
+4.7% in 12 months
Zillow, July 2026
Median sale price
$189,000
Last published period
Redfin, through December 2025
Days on market
548
Slow-moving
Redfin, through December 2025
Active listings
2
2.0 months of supply
Redfin, through December 2025
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$41,111
Home costs 9.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
95.0%
Selling below asking
Redfin, through December 2025
Zillow figures are as of July 2026 and 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 Idaho City a buyer's or seller's market?
Idaho City, ID is a balanced market, based on 2.0 months of supply and homes selling in about 548 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 Idaho City housing market data show?
Every row below is Redfin's final published month for Idaho City, ID. Redfin, through December 2025
| Metric | Value |
|---|---|
| Median sale price | $189,000 |
| Median list price | $350,000 |
| Median price per sq ft | $286/sq ft |
| Median days on market | 548 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Sale-to-list price ratio | 95.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Listings with a price cut | 50.0% |
| Market condition | Balanced 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 Idaho City is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Idaho City 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 Idaho City home prices moved?
Across the 27 months we hold for Idaho City, ID, the median sale price fell 39.5%, from $312,370 in April 2021 to $189,000. The live Zillow value series has rose 4.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 50.0% of Idaho City 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 2.0 months while the sale-to-list ratio slips below its current 95.0%. Watch those two together — they move before the median does.
Redfin, through December 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Idaho City?
Priced off the typical home value of $408,921 at the current 6.66% 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% | $81,784 | $327,137 | $2,102/mo |
| 5% | $20,446 | $388,475 | $2,496/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 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 $2,102, that implies roughly $90,097 a year before you add taxes and insurance. The median household in Idaho City earns $41,111, about $48,986 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 9.9x — 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 Idaho City in the next 12 months?
Tell us your timeline. We send the Idaho City 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 Idaho City?
Zillow does not publish a rent index (ZORI) for Idaho City, 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 Idaho City?
Active listings in Idaho City, ID went from 4 in February 2024 to 2 in December 2025, a -50.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| March 2024 | 3 | not published |
| April 2024 | 3 | 1 |
| June 2024 | 4 | 1 |
| September 2024 | 6 | 2 |
| October 2024 | 3 | not published |
| January 2025 | 3 | not published |
| February 2025 | 3 | not published |
| May 2025 | 5 | 1 |
| July 2025 | 3 | not published |
| September 2025 | 1 | not published |
| November 2025 | 1 | not published |
| December 2025 | 2 | 1 |
Redfin, through December 2025
How does Idaho City compare to Idaho and the U.S.?
Idaho City homes sell for $189,000 — 62% below the Idaho median of $503,400. Against the national median of $410,700, Idaho City runs 54% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Idaho City, ID | $189,000 | not published | 548 days |
| Idaho statewide | $503,400 | +1.3% | 35 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Idaho City
What buyers should watch
- Months of supply, currently 2.0. 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 50.0%. 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 $394 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $408,921 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 Idaho City listing goes under contract in 548 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 95.0% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Idaho City added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +4.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Idaho City varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Idaho City
There are currently 2 homes listed for sale in Idaho City, Idaho. The median listing price is $350K.
Active listings
2
Homes on market
Median list price
$350K
Avg. days on market
548
Days until sale
New this week
1
Newly listed
How much do homes cost in Idaho City by property type?
How the Idaho City, ID market breaks down across single-family homes, condos and townhouses. Redfin, through December 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $189,000 | $286/sq ft | 1 | 548 days |
Who lives in Idaho City?
American Community Survey estimates for Idaho City. U.S. Census ACS, 2023
Population
556
Households
288
Median income
$41,111/yr
Median age
38.8 years
Owner-occupied
66.3%
Median home value
$94,500
Median gross rent
$776/mo
Mean commute
26.4 min
66.3% of occupied homes in Idaho City 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. The Census self-reported median home value is $94,500 against Zillow's $408,921 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Idaho City?
2 schools tracked · 347 students
The largest public schools serving Idaho City, 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.
BASIN ELEMENTARY SCHOOL
Grades PK-6 · 202 students
IDAHO CITY HIGH SCHOOL
Grades 7-12 · 145 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 Idaho City, ID?
Ordered by distance from Idaho City, not by size. Compare Idaho City side by side with any of them.
Idaho City housing market FAQ
Is Idaho City a buyer's or seller's market?
Idaho City, ID is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 548 days, and sellers getting 95.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Idaho City?
The typical home in Idaho City, ID is worth $408,921 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $189,000, about $286 per square foot.
Is Idaho City cheaper than the rest of Idaho?
Idaho City's median sale price of $189,000 is 62% lower than the Idaho statewide median of $503,400, and 54% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Idaho City?
Homes in Idaho City, ID spent a median of 548 days on market before going under contract, versus 35 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Idaho City?
At the current 30-year fixed rate of 6.66%, 20% down on a $408,921 home is about $2,102 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $90,097 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $41,111.
Are home prices rising in Idaho City?
The typical home value in Idaho City, ID rose 4.7% over the last 12 months, from $390,402 to $408,921 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Idaho City?
Idaho City 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 Idaho City?
That depends on your timeline, not on a headline. What the data says today: Idaho City, ID is a balanced market with 2.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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