Bonner County, Idaho: commercial real estate data.
Bonner County, Idaho has a population of 51,049 across 1,735 square miles, up 14.5 percent since the 2020 census base. County output reached $2.55 bn in 2024, 1,833 establishments operate here, and the SBA record carries 167 7(a) approvals worth $35.3 m.
123 sourced county values · tier FULL · 11 sections
Bonner County
How many people live in Bonner County
- Population51,049
- Households20,283
- Average household size2.52
- Median household income$66,979
- Median age48.1
- Median gross rent$1,122 per month
- Median owner-occupied home value$487,900
- Home value to household income7.3 times
- Annual rent as a share of median income20.1 percent
- Adults 25 and over with a bachelor degree or higher28.6 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over38,336
- Population under 189,996
- Share under 1819.6 percent
- Population 65 and over13,477
- Share 65 and over26.4 percent
- Working age population, 18 to 6427,576
- Civilian labor force22,045
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over53.7 percent
- Rank by population among Idaho counties8th of 44
- Rank by population among US county-equivalents1002nd
Bonner County is the 8th largest of 44 Idaho counties by population. A median home costs 7.3 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 26.4 percent against 19.6 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bonner County
Is Bonner County growing
- Population change since the 2020 census base14.53 percent
- Census 2020 base population47,109
- Births, 2024464
- Deaths, 2024550
- Natural change, 2024-86
- Net domestic migration, 20241,170
- Net international migration, 2024173
- Total net migration, 20241,343
- Cumulative net domestic migration, 2021 to 20246,513
- Rank by growth among US county-equivalents67th
The county has grown 14.53 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bonner County
Where people moving to Bonner County come from
- Tax returns filed by households arriving1,931
- People arriving, from those returns3,937
- Adjusted gross income arriving$206.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$106,889
- Largest single originBonner County Non-migrants (18,086 households)
- Largest single destination (18,086 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bonner County Non-migrants | 18,086 | 37,025 | $1.92 bn |
| Other flows - Different State | 921 | 1,845 | $92.6 m |
| Other flows - West | 670 | 1,360 | $72.3 m |
| Kootenai County | 348 | 733 | $27.8 m |
| Spokane County | 144 | 292 | $14.4 m |
| Other flows - South | 131 | 253 | $9.6 m |
| King County | 84 | 182 | $14.9 m |
| Other flows - Midwest | 80 | 155 | $7.3 m |
The largest single source of arrivals is Bonner County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Bonner County
What the Bonner County economy runs on
- County GDP, 2024$2.55 bn
- County GDP, 2023$2.45 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years43.3 percent
- Rank by GDP among Idaho counties9th
- Rank by GDP among US county-equivalents1095th
- GDP per resident$49,870
Output grew 3.8 percent in the latest year and 43.3 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Bonner County
Who employs people in Bonner County
- Covered employment, annual average15,970
- Establishments reporting2,496
- Average annual pay$51,761
- Average weekly wage$995
- Sector 44-45, employment2,436
- Sector 44-45, average annual pay$36,194
- Sector 31-33, employment1,962
- Sector 31-33, average annual pay$66,569
- Sector 72, employment1,909
- Sector 72, average annual pay$24,879
- Sector 62, employment1,516
- Sector 62, average annual pay$41,638
- Sector 23, employment1,234
- Sector 54, employment726
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,436 | 217 | $36,194 |
| Sector 31-33 | 1,962 | 102 | $66,569 |
| Sector 72 | 1,909 | 180 | $24,879 |
| Sector 62 | 1,516 | 256 | $41,638 |
| Sector 23 | 1,234 | 442 | $56,141 |
| Sector 54 | 726 | 294 | $76,445 |
| Sector 81 | 662 | 164 | $37,201 |
| Sector 71 | 463 | 40 | $29,579 |
The largest sector is the biggest private employer group at 2,436 jobs, 15.3 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bonner County
What businesses operate in Bonner County
- Establishments, all industries1,833
- Employment at those establishments14,412
- Annual payroll$676.9 m
- Establishments per 1,000 residents35.9
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Bonner County
What is being built in Bonner County
- Housing units authorised by permit, 2024147
- Declared construction value permitted$31.7 m
- Single family units authorised115
- Multifamily units authorised32
- Multifamily share of units21.8 percent
- Average declared value per unit$215,383
- Units authorised per 1,000 households7.2
Multifamily is 21.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Bonner County
How much SBA lending happens in Bonner County
- 7(a) approvals recorded167
- 7(a) gross approval dollars$35.3 m
- Average 7(a) approval$211,660
- Median 7(a) approval$50,000
- 10th percentile approval$25,000
- 90th percentile approval$466,500
- Largest single approval$3,607,000
- Jobs reported supported, 7(a)804
- Jobs per approval4.8
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals80
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer9.0 percent
- Loans on real estate terms15
- Loans on working capital terms, 120 months or shorter148
- Franchise loans1
- Franchise share of approvals0.6 percent
- Leading industry by approval countSite Preparation Contractors (13)
- Most active lenderColumbia Bank (69)
- 504 approvals recorded20
- 504 gross approval dollars$10.2 m
- Average 504 approval$510,150
- Median 504 approval$439,000
- Distinct CDCs active5
- 504 jobs per approval3.8
- 504 jobs per million dollars approved7.4
- Most active CDCCapital Matrix, Inc. (9)
- 7(a) share of SBA approvals89.3 percent
- Combined SBA approval dollars$45.6 m
The average approval of $211,660 sits well above the median of $50,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 9.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bonner County
Do SBA loans in Bonner County get paid back
- Loans with a final outcome recorded43
- Paid in full42
- Charged off1
- Charge off rate on resolved loans2.3 percent
- Status: Paid in full42
- Status: Exempt from disclosure94
- Status: Cancelled21
- Status: Charged off1
- Status: Committed, not yet disbursed9
Of the 43 loans that have reached a final outcome, 2.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bonner County
Which parts of Bonner County get the lending
- Places in the county with recorded lending17
- Sandpoint, approvals99
- PRIEST RIVER, approvals16
- SAGLE, approvals13
- Ponderay, approvals12
- Oldtown, approvals5
- COCOLALLA, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Sandpoint | 99 | $19,109,900 |
| PRIEST RIVER | 16 | $990,000 |
| SAGLE | 13 | $1,406,900 |
| Ponderay | 12 | $5,595,000 |
| Oldtown | 5 | $906,500 |
| COCOLALLA | 5 | $347,000 |
| LACLEDE | 3 | $300,000 |
| North Ponderay | 2 | $625,000 |
Sandpoint accounts for 99 approvals against 16 in PRIEST RIVER. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bonner County
How big is Bonner County
- Land area1,735 sq mi
- Rank by land area among Idaho counties19th of 44
- Width, east to west45.8 mi
- Height, north to south66.1 mi
- Geographies sharing a boundary3
- Residents per square mile of land29
- Establishments per square mile1.06
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Bonner County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Bonner County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population51,049
- Households20,283
- Average household size2.52
- Median household income$66,979
- Median age48.1
Common questions
Bonner County questions, answered from the record.
How many people live in Bonner County, Idaho?
51,049, in 20,283 households, ranking 8th of 44 Idaho counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bonner County growing?
The population has grown 14.53 percent since the 2020 census base. In 2024 there were 464 births against 550 deaths, with net migration of 1,343. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bonner County?
$66,979. The median owner-occupied home is valued at $487,900, which is 7.3 times income, and median gross rent is $1,122 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bonner County?
1,833 establishments, employing 14,412 people with an annual payroll of $676.9 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Bonner County?
Average annual pay is $51,761, or $995 a week, across 15,970 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bonner County?
167 7(a) approvals totalling $35.3 m since FY2020, across 21 lenders, with a median approval of $50,000, plus 20 504 approvals worth $10.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Bonner County get paid back?
Of the 43 loans that have reached a final outcome, 42 were paid in full and 1 charged off, a charge off rate of 2.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Bonner County?
147 housing units were authorised by permit in 2024, with a declared construction value of $31.7 m. Multifamily was 21.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bonner County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Bonner County come from?
The largest single origin is Bonner County Non-migrants, with 18,086 households. Arriving households report an average income of $106,889 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bonner County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Bonner County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.