Is Bonner County, ID good for real estate investing?

Bonner County has an investment score of 40/100, rated as "Avoid". The county ranks #953 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Bonner?

The rent-to-price ratio in Bonner County is 4.41% annually, which ranks in the 12th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Bonner?

The median home price in Bonner County is $635,215. This ranks #958 in affordability among all US counties.

Can you cash flow on rental properties in Bonner?

Based on median values with 20% down at current rates, a typical rental in Bonner County would generate negative cash flow of $1,813/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Bonner County

IdahoPopulation: 47,976

/100

Avoid

#953 of 1,000 counties

#38 in Idaho (43 counties)

Market Snapshot

$635,215

Median Home Price

132% above national median

$2,334/mo

Median Rent

56% above national median

4.41%

Rent-to-Price Ratio

Top 88% nationally

-$1,813

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$635,215

Down Payment (20%)$127,043

Loan Amount$508,172

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,334

Monthly P&I-$3,330

Est. Expenses (35%)-$817

Net Cash Flow-$1,813/mo

2.9%

Cap Rate (all cash)

-14.9%

Cash-on-Cash Return

4.41%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 2.9% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

40/100

Cash Flow(30%)

36/100

Based on 4.41% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

58/100

Based on 0.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

9/100

Price-to-income ratio of 10.3x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Below-average rent-to-price ratio (4.41%)
-Negative cash flow at typical financing (-$1,813/mo)
-Negative leverage (cap rate 2.9% < mortgage rate 6.9%)
-High price-to-income ratio makes financing challenging

Economic Indicators

Population

47,976

Median Income

$61,816

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

10.3x

Less affordable

Compare to Nearby Counties

County					Verdict
BlaineID	41	$1,023,468	$2,880	3.38%	Avoid	View
CurrentBonnerID	40	$635,215	$2,334	4.41%	Avoid
LatahID	40	$457,259	$1,283	3.37%	Avoid	View
TetonID	40	$833,512	Est. pending	—	Avoid	View
AdamsID	40	$496,674	Est. pending	—	Avoid	View
GemID	40	$462,903	$1,350	3.50%	Avoid	View

The Bottom Line

AvoidBonner may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Bonner County in Idaho scores 40/100, ranking #953 of 1,000 US counties (top 95%). The 4.41% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-1,813/mo

Cap Rate

2.9%

Cash-on-Cash

-14.9%

Ready to Analyze a Deal in Bonner?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$635,215

Down Payment (20%)$127,043

Loan Amount$508,172

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,334

Monthly P&I-$3,330

Est. Expenses (35%)-$817

Net Cash Flow-$1,813/mo

2.9%

Cap Rate (all cash)

-14.9%

Cash-on-Cash Return

4.41%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 2.9% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

40/100

Cash Flow(30%)

36/100

Based on 4.41% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

58/100

Based on 0.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

9/100

Price-to-income ratio of 10.3x. Lower ratios indicate more affordable markets.

County

Verdict

BlaineID

$1,023,468

$2,880

3.38%

Avoid

View

CurrentBonnerID

$635,215

$2,334

4.41%

Avoid

LatahID

$457,259

$1,283

3.37%

Avoid

View

TetonID

$833,512

Est. pending

—

Avoid

View

AdamsID

$496,674

Est. pending

—

Avoid

View

GemID

$462,903

$1,350

3.50%

Avoid

View

The Bottom Line

AvoidBonner may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Monthly Cash Flow

$-1,813/mo

Cap Rate

2.9%

Cash-on-Cash

-14.9%