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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Bonners Ferry, ID Housing Affordability Index

Bonners Ferry, Idaho has an MBR Housing Affordability Index score of 100.0 (Near National Average) as of October 30, 2026, ranking 133rd most affordable of 187 scored Idaho cities, compared with 96.7 statewide and 97.4 nationally. On a median-priced $281,400 home with 20% down, the Idaho average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $1,533, or 35% of the city’s $52,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bonners Ferry is updated every night from live Idaho mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Bonners Ferry MBR-HAI 100.0 Near National Average
Rank in Idaho 133 of 187 1 = most affordable
Idaho 96.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% Idaho lenders
Median home value $281,400 U.S. Census Bureau

Bonners Ferry is 3.3 points above the Idaho score. Scores as of October 30, 2026. See the Idaho index

View Bonners Ferry Mortgage Rates

What It Takes to Buy in Bonners Ferry

$1,533/mo
Principal & Interest
Median home, 20% down, 7.24%
$65,700
Income Needed
To keep the payment at 28% of income
$52,500
Median Household Income
Idaho: $77,800
5.4x
Price-to-Income Ratio
Idaho: 5.4x
$797/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,284/yr
Median Property Tax
0.46% of median value
42.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bonners Ferry, Idaho. The rate is the Idaho average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Bonners Ferry Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bonners Ferry, Idaho score: 100.0 (Near National Average), ranked 133 of 187 Idaho cities. monitorbankrates.com/housing-affordability-index/idaho/bonners-ferry”