Boundary County, Idaho: commercial real estate data.
Boundary County, Idaho has a population of 13,172 across 1,269 square miles, up 16.4 percent since the 2020 census base. County output reached $658.7 m in 2024, 439 establishments operate here, and the SBA record carries 30 7(a) approvals worth $8.5 m.
108 sourced county values · tier FULL · 11 sections
Boundary County
How many people live in Boundary County
- Population13,172
- Households5,046
- Average household size2.61
- Median household income$67,237
- Median age43.7
- Median gross rent$877 per month
- Median owner-occupied home value$410,500
- Home value to household income6.1 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher24.1 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over9,211
- Population under 183,072
- Share under 1823.3 percent
- Population 65 and over3,093
- Share 65 and over23.5 percent
- Working age population, 18 to 647,007
- Civilian labor force5,095
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over50.4 percent
- Rank by population among Idaho counties25th of 44
- Rank by population among US county-equivalents2276th
Boundary County is the 25th largest of 44 Idaho counties by population. A median home costs 6.1 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 23.5 percent against 23.3 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.
Boundary County
Is Boundary County growing
- Population change since the 2020 census base16.42 percent
- Census 2020 base population12,060
- Births, 2024157
- Deaths, 2024145
- Natural change, 202412
- Net domestic migration, 2024269
- Net international migration, 202485
- Total net migration, 2024354
- Cumulative net domestic migration, 2021 to 20241,600
- Rank by growth among US county-equivalents41st
The county has grown 16.42 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Boundary County
Where people moving to Boundary County come from
- Tax returns filed by households arriving445
- People arriving, from those returns968
- Adjusted gross income arriving$35.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$80,247
- Largest single originBoundary County Non-migrants (4,760 households)
- Largest single destination (4,760 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Boundary County Non-migrants | 4,760 | 10,626 | $335.8 m |
| Other flows - Different State | 297 | 648 | $27.3 m |
| Other flows - West | 250 | 536 | $23.1 m |
| Kootenai County | 63 | 142 | $3.3 m |
| Bonner County | 57 | 127 | $4.3 m |
| Other flows - South | 47 | 112 | $4.2 m |
| Other flows - Same State | 28 | 51 | $829,000 |
The largest single source of arrivals is Boundary 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.
Boundary County
What the Boundary County economy runs on
- County GDP, 2024$658.7 m
- County GDP, 2023$615.8 m
- GDP change, 2023 to 20247.0 percent
- GDP change over five years60.4 percent
- Rank by GDP among Idaho counties28th
- Rank by GDP among US county-equivalents2201st
- GDP per resident$50,008
Output grew 7.0 percent in the latest year and 60.4 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.
Boundary County
Who employs people in Boundary County
- Covered employment, annual average4,045
- Establishments reporting613
- Average annual pay$51,133
- Average weekly wage$983
- Sector 31-33, employment589
- Sector 31-33, average annual pay$58,357
- Sector 44-45, employment507
- Sector 44-45, average annual pay$33,201
- Sector 23, employment397
- Sector 23, average annual pay$58,474
- Sector 62, employment262
- Sector 62, average annual pay$45,090
- Sector 72, employment162
- Sector 54, employment161
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 589 | 28 | $58,357 |
| Sector 44-45 | 507 | 54 | $33,201 |
| Sector 23 | 397 | 125 | $58,474 |
| Sector 62 | 262 | 48 | $45,090 |
| Sector 72 | 162 | 32 | $17,951 |
| Sector 54 | 161 | 58 | $72,254 |
| Sector 56 | 106 | 29 | $36,935 |
| Sector 42 | 100 | 29 | $124,562 |
The largest sector is the biggest private employer group at 589 jobs, 14.6 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.
Boundary County
What businesses operate in Boundary County
- Establishments, all industries439
- Employment at those establishments2,941
- Annual payroll$131.6 m
- Establishments per 1,000 residents33.3
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.
Boundary County
What is being built in Boundary County
- Housing units authorised by permit, 202464
- Declared construction value permitted$6.9 m
- Single family units authorised16
- Multifamily units authorised48
- Multifamily share of units75.0 percent
- Average declared value per unit$108,037
- Units authorised per 1,000 households12.7
Multifamily is 75.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Boundary County
How much SBA lending happens in Boundary County
- 7(a) approvals recorded30
- 7(a) gross approval dollars$8.5 m
- Average 7(a) approval$283,923
- Median 7(a) approval$75,000
- 10th percentile approval$20,000
- 90th percentile approval$1,145,000
- Largest single approval$1,580,000
- Jobs reported supported, 7(a)123
- Jobs per approval4.1
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals24
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.7 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter22
- Franchise loans1
- Franchise share of approvals3.3 percent
- Leading industry by approval countOffices of Physicians (except Mental Health Specialists) (3)
- Most active lenderGlacier Bank (16)
The average approval of $283,923 sits well above the median of $75,000, 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 26.7 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.
Boundary County
Do SBA loans in Boundary County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Cancelled4
- Status: Exempt from disclosure18
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 7 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Boundary County
Which parts of Boundary County get the lending
- Places in the county with recorded lending3
- Bonners Ferry, approvals25
- NAPLES, approvals3
- MOYIE SPRINGS, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Bonners Ferry | 25 | $8,352,700 |
| NAPLES | 3 | $125,000 |
| MOYIE SPRINGS | 2 | $40,000 |
Bonners Ferry accounts for 25 approvals against 3 in NAPLES. 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.
Boundary County
How big is Boundary County
- Land area1,269 sq mi
- Rank by land area among Idaho counties23rd of 44
- Width, east to west44.8 mi
- Height, north to south34.5 mi
- Geographies sharing a boundary1
- Residents per square mile of land10
- Establishments per square mile0.35
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Boundary 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 Boundary County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population13,172
- Households5,046
- Average household size2.61
- Median household income$67,237
- Median age43.7
Common questions
Boundary County questions, answered from the record.
How many people live in Boundary County, Idaho?
13,172, in 5,046 households, ranking 25th of 44 Idaho counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Boundary County growing?
The population has grown 16.42 percent since the 2020 census base. In 2024 there were 157 births against 145 deaths, with net migration of 354. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Boundary County?
$67,237. The median owner-occupied home is valued at $410,500, which is 6.1 times income, and median gross rent is $877 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Boundary County?
439 establishments, employing 2,941 people with an annual payroll of $131.6 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 Boundary County?
Average annual pay is $51,133, or $983 a week, across 4,045 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Boundary County?
30 7(a) approvals totalling $8.5 m since FY2020, across 7 lenders, with a median approval of $75,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Boundary County?
64 housing units were authorised by permit in 2024, with a declared construction value of $6.9 m. Multifamily was 75.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Boundary 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 Boundary County come from?
The largest single origin is Boundary County Non-migrants, with 4,760 households. Arriving households report an average income of $80,247 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 Boundary 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 Boundary 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.