Kootenai County, ID Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Kootenai County, Idaho? DLRadar grades every Kootenai County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 22/100. Here is the 2026 Kootenai County breakdown.
- Kootenai County's most distressed ZIP is 83801 at 22/100.
- 13 ZIP codes tracked in Kootenai County, averaging 20/100 distress.
- Kootenai County reads peak — home values up 2.9% year over year.
- Vacancy runs 20.4% across Kootenai County's tracked ZIPs, with a 9.5% poverty rate.
- The typical Kootenai County home is worth about $540,877 against a ~$76,555 median income.
- Lending headwind in Kootenai County sits at 48/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 83801 | 22/100 |
| 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 ZIP codes in Kootenai County (composite distress 0-100, 2026)
What is driving Kootenai County distress
DLRadar builds Kootenai County's distress picture only from records anyone can pull; its ZIPs average 20/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Kootenai County market phase and pricing
Kootenai County currently sits in peak after a 2.9% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Kootenai County
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Frequently asked
What is the most distressed ZIP code in Kootenai County, ID?
ZIP 83801 leads Kootenai County at 22/100, recomputed monthly from public records.
Where is Kootenai County in the housing cycle?
Kootenai County is classified peak with a 2.9% year-over-year increase, following the FHFA House Price Index.
Can the Kootenai County figures be verified?
Every Kootenai County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 13 Kootenai County ZIP codes that it runs on every other U.S. county, so Kootenai County's numbers are directly comparable to any other market.
How much do distress scores vary between Kootenai County ZIP codes?
The county figure is a blend, not a description. Across the Kootenai County ZIPs DLRadar ranks, scores run from 22/100 in 83801 down to 19/100 in 83803, against a Kootenai County average of 20/100. That 3-point gap is why acquisition targeting in Kootenai County works at ZIP level rather than county level.
What do Kootenai County home values and vacancy say about distressed supply?
The typical Kootenai County home carries about $540,877 of value against a median household income near $76,555. Vacancy across Kootenai County's tracked ZIPs runs 20.4% and the poverty rate is 9.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Kootenai County's foreclosure and tax-lien filings and its 48/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.