Kootenai County, ID Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Kootenai County, ID distress report, 2026: 13 ZIPs scored in Kootenai, ID, Kootenai, ID average 20/100; the top Kootenai, ID ZIP is 83801 at 21/100; Kootenai, ID market phase peak, Kootenai, ID prices +2.9% year over year.
- Kootenai, ID ranks #1,408 nationally (opportunity index); Kootenai, ID #13 in Idaho; Kootenai, ID index 29.7.
- Kootenai, ID ninety-day mortgage delinquency 0.8% in December 2025; Kootenai, ID twelve-month change +0.2%.
- Kootenai, ID ZIP phases: 13 peak.
- Kootenai, ID residential listings tracked: 312 across 11 ZIPs; Kootenai, ID candidate listings 56.
- Kootenai, ID HUD assisted properties: 12 with 547 units.
- Kootenai, ID lenders on watch: 3; largest Kootenai, ID footprint Bankcda (3 branches).
- Kootenai, ID most distressed ZIP: 83801 at 21/100.
Kootenai, ID figures: DLRadar distress index; Kootenai, ID inputs: CFPB, FHFA, HUD, FDIC; Kootenai, ID rebuilt as sources refresh.
| Rank | Kootenai, ID ZIP | Score |
|---|---|---|
| 1 | 83801 | 21/100 |
| 2 | 83810 | 21/100 |
| 3 | 83814 | 21/100 |
| 4 | 83815 | 21/100 |
| 5 | 83833 | 21/100 |
| 6 | 83835 | 21/100 |
| 7 | 83842 | 21/100 |
| 8 | 83854 | 21/100 |
| 9 | 83858 | 21/100 |
| 10 | 83869 | 21/100 |
| 11 | 83876 | 21/100 |
| 12 | 83803 | 19/100 |
Most distressed Kootenai, ID ZIPs (0-100, 2026)
Mortgage delinquency in Kootenai, ID
0.8% of Kootenai, ID mortgages were ninety-plus days late (Kootenai, ID, December 2025); Kootenai, ID thirty-to-eighty-nine days late: 1.0%; Kootenai, ID twelve-month change +0.2%; Kootenai, ID peak since 2008: 3.9% (October 2009); Idaho overall 0.6%. Kootenai, ID ninety-day series: Dec 24 0.6, Jan 25 0.4, Feb 25 0.5 (Kootenai, ID), Mar 25 0.4, Apr 25 0.5, May 25 0.6 (Kootenai, ID), Jun 25 0.5, Jul 25 0.3, Aug 25 0.4 (Kootenai, ID), Sep 25 0.5, Oct 25 0.6, Nov 25 0.6 (Kootenai, ID), Dec 25 0.8.
Opportunity index: Kootenai, ID
Kootenai, ID index 29.7, Kootenai, ID phase early_signal; Kootenai, ID primary driver bank institutional, Kootenai, ID second driver vacancy. Kootenai, ID components: property stress 24.1, foreclosure pressure 25.7, listing discounts 29.0, bank stress 57.8, insurance 0.0; Kootenai, ID pulse 32.7; Kootenai, ID capital opportunity 25.2; Kootenai, ID seven-day change -0.2%.
ZIP market phases inside Kootenai, ID
13 Kootenai, ID ZIPs carry a price-cycle phase; Kootenai, ID ZIPs by phase (Kootenai, ID), deepest drawdown first: peak, +0.7% YoY, 1.9% off peak (Kootenai, ID): 83803; peak, +1.9% YoY, 0.8% off peak (Kootenai, ID): 83869, 83801; peak, +2.8% YoY (Kootenai, ID): 83810; peak, +2.9% YoY (Kootenai, ID): 83814, 83815, 83833, 83835, Kootenai, ID 83842, 83854, 83858, 83876; peak, +1.5% YoY (Kootenai, ID): 83861.
Residential listings by Kootenai, ID ZIP
Kootenai, ID ZIPs with the most tracked Kootenai, ID residential listings: 83854 96 listings, 9 candidates, bank pressure 63; 83835 82 listings, 10 candidates, bank pressure 63; 83814 57 listings, 16 candidates, bank pressure 63; 83815 44 listings, 6 candidates, bank pressure 63 (Kootenai, ID); 83858 16 listings, 7 candidates, bank pressure 63; 83833 4 listings, 2 candidates, bank pressure 62; 83869 4 listings, 1 candidates, bank pressure 63; 83876 4 listings, 1 candidates, bank pressure 63. Kootenai, ID totals: 312 listings; Kootenai, ID candidates 56; active ZIPs 9.
HUD assisted housing in Kootenai, ID
12 assisted properties with 547 units sit in Kootenai, ID; largest Kootenai, ID properties: The Grove 1 & 2 At Orchard Ridge (Coeur D'Alene) 130 units, 129 assisted; Riverstone Place Apartments (Coeur D'Alene) 114 units; Lake Wood Ranch (Coeur D'Alene) 80 units in Kootenai, ID; North Creek Apartments (Post Falls) 55 units; Kathy Reed House (Coeur D'Alene) 37 units, 36 assisted; Post Falls Terrace (Post Falls) 35 units, 35 assisted.
Lenders with branches in Kootenai, ID
Kootenai, ID lenders by branch count: Bankcda (Kootenai, ID): stress 70, 3 branches low in Kootenai, ID; Idaho Trust Bank (Kootenai, ID): stress 72, 1 branch low in Kootenai, ID; Northwest Bank (Kootenai, ID): stress 40, 1 branch low in Kootenai, ID.
Vacancy and permits, Kootenai, ID
9,088 of 80,260 Kootenai, ID housing units are vacant; Kootenai, ID permits, twelve months: 598 multifamily units in Kootenai, ID, 1,432 one-to-four unit units.
Work Kootenai, ID at the parcel level
Every Kootenai, ID parcel carries owner and address; every Kootenai, ID parcel carries APN; Kootenai, ID distress scores sit on the Kootenai, ID live board.
Kootenai, ID figures refresh with each source.
Kootenai, ID questions
Most distressed ZIP code in Kootenai County, ID?
ZIP 83801 leads Kootenai, ID at 21/100; next in Kootenai, ID: 83810 at 21/100; the Kootenai, ID average is 20/100.
Where does Kootenai County, ID rank for investment opportunity?
Kootenai, ID is #1,408 among all ranked counties, #13 in Idaho; the Kootenai, ID driver is bank institutional; Kootenai, ID moved up 192 places.
How many mortgages are delinquent in Kootenai County, ID?
0.8% of Kootenai, ID mortgages were ninety-plus days late in December 2025; the Kootenai, ID peak since 2008 was 3.9%.
Which banks lend in Kootenai County, ID?
3 watched lenders hold Kootenai, ID branches; the largest Kootenai, ID footprints are Bankcda (3), Idaho Trust Bank (1), Northwest Bank (1).
More on Kootenai, ID
Kootenai County, ID distress report: public-record figures for Kootenai, ID; not legal advice for Kootenai, ID; not tax or investment advice; verify every Kootenai, ID record before acting.