ZIP code 83860

ZIP 83860 is a mid-size town in Bonner County, Idaho, with 7,953 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #55 of 280 ranked by population — larger than 80% of them. The median age here is 50 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 83860 earn a median of $75,042 a year, 4.5% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 8.3% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 83860 is valued at $508,400, 67.6% above the national figure, while median gross rent runs $1,095 a month, 22.1% below the national figure, or roughly $13,140 across a full year. A household on the local median income would put about 17.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 6.8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 86.1% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 6.8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 50 puts ZIP 83860 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 83860 is tabulated inside Bonner County, Idaho, one of 16 ZIP areas the Census publishes for that county and 280 across Idaho. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 83860 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 83860 reports a median household income of $75,042, 9% above the $68,595 county median, and 10% above the $68,377 typical ID ZIP. Owner-occupied homes are valued at a median of $508,400, 7% above the county figure and 71% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,095 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Idaho charges 6% statewide, and local governments overlapping 83860 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 83860 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.