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Featured local agent — Mud Lake, ID
Sarah Mitchell
Compass Real Estate · Mud Lake, ID
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Mud Lake, ID Housing Market
The last median sale price Redfin published was $239,900 (through May 2026). With homes going under contract in about 8 days, Mud Lake is a balanced market. At today's 6.66% 30-year fixed rate, 20% down on a $239,900 home is about $1,233/mo in principal and interest.
Key numbers for Mud Lake, ID
Median sale price
$239,900
Last published period
Redfin, through February 2026
Days on market
8
Fast-moving
Redfin, through February 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$65,000
Home costs 3.7x income
U.S. Census ACS, 2023
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 Mud Lake a buyer's or seller's market?
Mud Lake, ID is a balanced market and homes selling in about 8 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Mud Lake housing market data show?
Every row below is Redfin's final published month for Mud Lake, ID. Redfin, through February 2026
| Metric | Value |
|---|---|
| Median sale price | $239,900 |
| Median price per sq ft | $188/sq ft |
| Median days on market | 8 days |
| Homes sold (that month) | 1 |
| 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 Mud Lake is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Mud Lake 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 Mud Lake home prices moved?
Across the 3 months we hold for Mud Lake, ID, the median sale price rose 4.3%, from $230,000 in August 2021 to $239,900.
Redfin, through February 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Mud Lake?
Priced off the median sale price of $239,900 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% | $47,980 | $191,920 | $1,233/mo |
| 5% | $11,995 | $227,905 | $1,465/mo |
Redfin, through February 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 $1,233, that implies roughly $52,857 a year before you add taxes and insurance. The median household in Mud Lake earns $65,000, about $12,143 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.7x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Mud Lake in the next 12 months?
Tell us your timeline. We send the Mud Lake 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 Mud Lake?
Zillow does not publish a rent index (ZORI) for Mud Lake, 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 Mud Lake?
We hold fewer than two months of inventory readings for Mud Lake, ID, so there is no trend to report yet.
How does Mud Lake compare to Idaho and the U.S.?
Mud Lake homes sell for $239,900 — 52% below the Idaho median of $503,400. Against the national median of $410,700, Mud Lake runs 42% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Mud Lake, ID | $239,900 | not published | 8 days |
| Idaho statewide | $503,400 | +1.3% | 35 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through February 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Mud Lake
What buyers should watch
- The gap between 5% and 20% down here is $231 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 $239,900 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 Mud Lake listing goes under contract in 8 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Comparable ZIP-level pricing inside Mud Lake varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Mud Lake
Explore homes currently listed for sale in Mud Lake, Idaho across major real estate platforms.
How much do homes cost in Mud Lake by property type?
How the Mud Lake, ID market breaks down across single-family homes, condos and townhouses. Redfin, through February 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $239,900 | $188/sq ft | 1 | 8 days |
Who lives in Mud Lake?
American Community Survey estimates for Mud Lake. U.S. Census ACS, 2023
Population
516
Households
158
Median income
$65,000/yr
Median age
29.1 years
Owner-occupied
53.2%
Median home value
$160,700
Median gross rent
$1,053/mo
Mean commute
28.7 min
53.2% of occupied homes in Mud Lake 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 cities are near Mud Lake, ID?
Ordered by distance from Mud Lake, not by size. Compare Mud Lake side by side with any of them.
Mud Lake housing market FAQ
Is Mud Lake a buyer's or seller's market?
Mud Lake, ID is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Mud Lake?
The median sale price in the last month Redfin published was $239,900, about $188 per square foot.
Is Mud Lake cheaper than the rest of Idaho?
Mud Lake's median sale price of $239,900 is 52% lower than the Idaho statewide median of $503,400, and 42% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Mud Lake?
Homes in Mud Lake, ID spent a median of 8 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 Mud Lake?
At the current 30-year fixed rate of 6.66%, 20% down on a $239,900 home is about $1,233 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $52,857 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $65,000.
Are home prices rising in Mud Lake?
We do not hold a complete 12-month value series for Mud Lake, ID yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Mud Lake?
Mud Lake 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 Mud Lake?
That depends on your timeline, not on a headline. What the data says today: Mud Lake, ID is a balanced market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $239,900, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.