Kootenai County, Idaho: commercial real estate data.
Kootenai County, Idaho has a population of 181,996 across 1,244 square miles, up 9.9 percent since the 2020 census base. County output reached $11.54 bn in 2024, 6,221 establishments operate here, and the SBA record carries 423 7(a) approvals worth $210.1 m.
123 sourced county values · tier FULL · 11 sections
Kootenai County
How many people live in Kootenai County
- Population181,996
- Households71,172
- Average household size2.56
- Median household income$81,861
- Median age40.9
- Median gross rent$1,492 per month
- Median owner-occupied home value$518,700
- Home value to household income6.3 times
- Annual rent as a share of median income21.9 percent
- Adults 25 and over with a bachelor degree or higher29.9 percent
- Adults 25 and over with a graduate degree9.7 percent
- Adults 25 and over128,268
- Population under 1840,656
- Share under 1822.3 percent
- Population 65 and over36,591
- Share 65 and over20.1 percent
- Working age population, 18 to 64104,749
- Civilian labor force87,978
- Unemployment rate3.3 percent
- Labor force participation, adults 18 and over62.2 percent
- Rank by population among Idaho counties3rd of 44
- Rank by population among US county-equivalents377th
Kootenai County is the 3rd largest of 44 Idaho counties by population. A median home costs 6.3 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents under 18 outnumber those 65 and over, at 22.3 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kootenai County
Is Kootenai County growing
- Population change since the 2020 census base9.90 percent
- Census 2020 base population171,362
- Births, 20241,943
- Deaths, 20241,790
- Natural change, 2024153
- Net domestic migration, 20242,896
- Net international migration, 202442
- Total net migration, 20242,938
- Cumulative net domestic migration, 2021 to 202415,515
- Rank by growth among US county-equivalents152nd
The county has grown 9.90 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.
Kootenai County
Where people moving to Kootenai County come from
- Tax returns filed by households arriving6,059
- People arriving, from those returns11,884
- Adjusted gross income arriving$660.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$108,936
- Largest single originKootenai County Non-migrants (67,969 households)
- Largest single destination (67,969 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kootenai County Non-migrants | 67,969 | 140,681 | $6.76 bn |
| Other flows - Different State | 1,722 | 3,454 | $176.7 m |
| Other flows - West | 1,039 | 2,146 | $111.7 m |
| Spokane County | 977 | 1,759 | $75.5 m |
| Other flows - South | 372 | 713 | $40.5 m |
| Other flows - Midwest | 238 | 470 | $19.8 m |
| King County | 230 | 545 | $60.1 m |
| Bonner County | 221 | 387 | $13.1 m |
The largest single source of arrivals is Kootenai 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.
Kootenai County
What the Kootenai County economy runs on
- County GDP, 2024$11.54 bn
- County GDP, 2023$10.77 bn
- GDP change, 2023 to 20247.1 percent
- GDP change over five years55.6 percent
- Rank by GDP among Idaho counties3rd
- Rank by GDP among US county-equivalents396th
- GDP per resident$63,402
Output grew 7.1 percent in the latest year and 55.6 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.
Kootenai County
Who employs people in Kootenai County
- Covered employment, annual average71,068
- Establishments reporting8,717
- Average annual pay$55,888
- Average weekly wage$1,075
- Sector 62, employment12,806
- Sector 62, average annual pay$67,208
- Sector 44-45, employment9,618
- Sector 44-45, average annual pay$42,545
- Sector 72, employment8,542
- Sector 72, average annual pay$25,327
- Sector 23, employment6,867
- Sector 23, average annual pay$62,317
- Sector 31-33, employment5,125
- Sector 54, employment3,387
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 12,806 | 1,060 | $67,208 |
| Sector 44-45 | 9,618 | 680 | $42,545 |
| Sector 72 | 8,542 | 581 | $25,327 |
| Sector 23 | 6,867 | 1,537 | $62,317 |
| Sector 31-33 | 5,125 | 376 | $59,570 |
| Sector 54 | 3,387 | 1,140 | $85,527 |
| Sector 56 | 2,975 | 531 | $47,428 |
| Sector 71 | 2,559 | 145 | $30,908 |
The largest sector is the biggest private employer group at 12,806 jobs, 18.0 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.
Kootenai County
What businesses operate in Kootenai County
- Establishments, all industries6,221
- Employment at those establishments64,571
- Annual payroll$3.45 bn
- Establishments per 1,000 residents34.2
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.
Kootenai County
What is being built in Kootenai County
- Housing units authorised by permit, 20241,587
- Declared construction value permitted$529.9 m
- Single family units authorised1,371
- Multifamily units authorised216
- Multifamily share of units13.6 percent
- Average declared value per unit$333,926
- Units authorised per 1,000 households22.3
Multifamily is 13.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kootenai County
How much SBA lending happens in Kootenai County
- 7(a) approvals recorded423
- 7(a) gross approval dollars$210.1 m
- Average 7(a) approval$496,730
- Median 7(a) approval$168,000
- 10th percentile approval$25,000
- 90th percentile approval$1,362,400
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,660
- Jobs per approval8.7
- Distinct 7(a) lenders active56
- Distinct industries receiving approvals166
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.9 percent
- Loans on real estate terms80
- Loans on working capital terms, 120 months or shorter321
- Franchise loans54
- Franchise share of approvals12.8 percent
- Leading industry by approval countLimited-Service Restaurants (19)
- Most active lenderGlacier Bank (88)
- 504 approvals recorded139
- 504 gross approval dollars$93.9 m
- Average 504 approval$675,734
- Median 504 approval$428,000
- Distinct CDCs active6
- 504 jobs per approval7.4
- 504 jobs per million dollars approved11.0
- Most active CDCNorthwest Business Development Association (50)
- 7(a) share of SBA approvals75.3 percent
- Combined SBA approval dollars$304.0 m
The average approval of $496,730 sits well above the median of $168,000, 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 18.9 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.
Kootenai County
Do SBA loans in Kootenai County get paid back
- Loans with a final outcome recorded125
- Paid in full121
- Charged off4
- Charge off rate on resolved loans3.2 percent
- Status: Exempt from disclosure248
- Status: Paid in full121
- Status: Cancelled33
- Status: Charged off4
- Status: Committed, not yet disbursed17
Of the 125 loans that have reached a final outcome, 3.2 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.
Kootenai County
Which parts of Kootenai County get the lending
- Places in the county with recorded lending15
- Coeur D Alene, approvals131
- POST FALLS, approvals108
- Hayden, approvals90
- RATHDRUM, approvals35
- Dalton Gardens, approvals14
- ATHOL, approvals13
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Coeur D Alene | 131 | $57,371,100 |
| POST FALLS | 108 | $54,852,000 |
| Hayden | 90 | $57,667,200 |
| RATHDRUM | 35 | $11,931,900 |
| Dalton Gardens | 14 | $3,277,500 |
| ATHOL | 13 | $9,345,500 |
| COEUR D'ALENE | 12 | $4,985,300 |
| Spirit Lake | 11 | $6,356,600 |
Coeur D Alene accounts for 131 approvals against 108 in POST FALLS. 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.
Kootenai County
How big is Kootenai County
- Land area1,244 sq mi
- Rank by land area among Idaho counties24th of 44
- Width, east to west33.6 mi
- Height, north to south43.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land146
- Establishments per square mile5.00
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 Kootenai 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 Kootenai County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population181,996
- Households71,172
- Average household size2.56
- Median household income$81,861
- Median age40.9
Common questions
Kootenai County questions, answered from the record.
How many people live in Kootenai County, Idaho?
181,996, in 71,172 households, ranking 3rd of 44 Idaho counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kootenai County growing?
The population has grown 9.90 percent since the 2020 census base. In 2024 there were 1,943 births against 1,790 deaths, with net migration of 2,938. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kootenai County?
$81,861. The median owner-occupied home is valued at $518,700, which is 6.3 times income, and median gross rent is $1,492 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kootenai County?
6,221 establishments, employing 64,571 people with an annual payroll of $3.45 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Kootenai County?
Average annual pay is $55,888, or $1,075 a week, across 71,068 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kootenai County?
423 7(a) approvals totalling $210.1 m since FY2020, across 56 lenders, with a median approval of $168,000, plus 139 504 approvals worth $93.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kootenai County get paid back?
Of the 125 loans that have reached a final outcome, 121 were paid in full and 4 charged off, a charge off rate of 3.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Kootenai County?
1,587 housing units were authorised by permit in 2024, with a declared construction value of $529.9 m. Multifamily was 13.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kootenai 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 Kootenai County come from?
The largest single origin is Kootenai County Non-migrants, with 67,969 households. Arriving households report an average income of $108,936 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 Kootenai 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 Kootenai 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.