Housing Costs
- Median Rent (2BR) $1,350/mo
- Median Home Price $615,119
- Property Tax Rate 0.75%
- HOA Fees (avg) $150-300/mo
Cost of Living in Coeur d'Alene
Compare rent vs. buy, taxes, utilities, groceries, and transportation costs. Get the complete picture before you move.
$615k
Median Home Price
$1,350
Median Rent (2BR)
0.75%
Property Tax Rate
8.0%
Sales Tax
Live Cost of Living Dashboard
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Coeur d'Alene Cost Index
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Source: Numbeo Cost of Living Index | Data refreshes monthly
Detailed Cost Breakdown
Essential expenses you'll need to budget for when living in Coeur d'Alene.
Taxes & Utilities
- Idaho Income Tax 0% - 6.5%
- Sales Tax 8.0%
- Electricity & Water $200-250/mo
- Internet $70-120/mo
Daily Expenses
- Groceries $800-900/mo
- Gas $250-300/mo
- Public Transit $45/mo
- Dining Out $60-80/meal
Healthcare
- Doctor Visit $200-300
- Dentist Visit $150-250
- Health Insurance $400-800/mo
- Prescription (avg) $30-50
Recreation
- Gym Membership $40-80/mo
- Movie Ticket $12-15
- Golf Round $50-120
- Lake Activities $30-100
Childcare & Education
- Daycare (infant) $1,200/mo
- Preschool $800-1,000/mo
- Private School $8k-15k/yr
- College (in-state) $8k-12k/yr
The Idaho Tax Structure: What Out-of-State Movers Need to Know
Moving to North Idaho involves significant financial adjustments depending on whether you are relocating from California, Washington, Oregon, or elsewhere. Here is the realistic breakdown of how Idaho taxes and utilities actually impact your bottom line:
State Income Tax
5.8% Flat Rate
Idaho simplified to a flat 5.8% income tax rate, substantially lower than California (up to 13.3%) or Oregon (up to 9.9%).
Property Tax Relief
$125,000 Exemption
Primary residences receive Idaho's Homeowner Exemption, deducting 50% of the home value (up to $125k) from county tax assessment.
State Sales Tax
6.0% Base Rate
Kootenai County has no additional municipal sales tax surcharges, keeping retail purchases right at the flat 6.0% mark.
Hydroelectric Power: America's Cheapest Utility Bills
Due to regional hydroelectric dams on the Columbia and Spokane rivers, electricity provided by Avista Utilities and Kootenai Electric Cooperative (KEC) runs approximately 8 to 10 cents per kilowatt-hour—roughly 40% below the US national average and nearly 65% cheaper than California utility rates. Even during freezing January stretches, high-efficiency heat pumps keep monthly utility bills surprisingly manageable.
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How CDA Compares
See how Coeur d'Alene stacks up against other popular destinations in the region.
Coeur d'Alene
North Idaho
Median Home
$615,119
2BR Rent
$1,350
Income Tax
0-6.5%
Sales Tax
8.0%
Pros: Lake lifestyle, lower property taxes, no state income tax on Social Security
Boise
Idaho Capital
Median Home
$520,000
2BR Rent
$1,450
Income Tax
0-6.5%
Sales Tax
8.25%
Pros: Job market, airport access, cultural amenities
Spokane
Eastern Washington
Median Home
$385,000
2BR Rent
$1,200
Income Tax
0%
Sales Tax
8.9%
Pros: No income tax, lower housing costs, city amenities
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