HomeIdahoBonner CountyPonderay
Ponderay, Idaho: commercial real estate data.
Ponderay is a Census city of 1,534 people across 2.94 square miles of land, in Bonner County. Median household income is $51,346, 32.4 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $5.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ponderay
What Ponderay is
- Census place typecity
- Land area2.94 sq mi
- Water area0.52 sq mi
- Population per square mile of land523 plus or minus 120
- County holding the largest share of its areaBonner County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponderay
How many people live in Ponderay
- Population1,534 plus or minus 353
- Median age41.9
- Population under 18268 plus or minus 87
- Share under 1817.5 percent plus or minus 4.0
- Population 65 and over332 plus or minus 101
- Share 65 and over21.6 percent
- Households630 plus or minus 130
- Family households326 plus or minus 77
- Share of households that are families51.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponderay
Income and work in Ponderay
- Median household income$51,346
- Per capita income$30,434
- Civilian labor force802 plus or minus 188
- Employed750 plus or minus 182
- Unemployed52 plus or minus 39
- Unemployment rate6.5 percent plus or minus 4.6
- Adults 25 and over1,127 plus or minus 241
- Adults 25 and over with a high school diploma or higher89.9 percent plus or minus 24.4
- Adults 25 and over with a bachelor degree or higher11.3 percent plus or minus 4.4
- Adults 25 and over with a graduate degree3.3 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponderay
Housing in Ponderay
- Housing units736
- Occupied units630 plus or minus 130
- Vacant units106 plus or minus 48
- Vacancy rate14.4 percent plus or minus 6.0
- Owner occupied204 plus or minus 67
- Renter occupied426 plus or minus 111
- Ownership rate32.4 percent plus or minus 8.3
- Median owner-occupied home value$436,700 plus or minus $120,412
- Median gross rent, monthly$1,099 plus or minus $370
- Annual rent as a share of median income25.7 percent plus or minus 10.0
- Single family units283 plus or minus 82
- Share single family38.5 percent plus or minus 8.7
- Units in buildings of two or more310 plus or minus 82
- Share in buildings of two or more42.1 percent
- Mobile homes133 plus or minus 67
- Median year structure built1996
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponderay
How Ponderay gets to work
- Workers 16 and over who commute701 plus or minus 179
- Commuting under 15 minutes529 plus or minus 150
- Share commuting under 15 minutes75.5 percent
- Commuting 30 minutes or more18 plus or minus 18
- Share commuting 30 minutes or more2.6 percent plus or minus 2.5
- Drove alone68.1 percent
- Carpooled8.0 percent plus or minus 4.5
- Public transport7.4 percent plus or minus 3.2
- Walked10.5 percent plus or minus 6.2
- Worked from home5.3 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponderay
SBA loans in Ponderay (7(a))
- Approvals12
- Gross approval$5,595,000
- Average approval$466,250
- Median approval$74,900
- Largest approval$2,314,000
- Jobs supported94
- Jobs per approval7.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.3 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Ponderay, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ponderay
SBA loans in Ponderay (504)
- Approvals7
- Gross approval$4,335,000
- Average approval$619,286
- Median approval$502,000
- Largest approval$1,446,000
- Jobs supported23
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Ponderay, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ponderay
Flood risk in Ponderay
- NFIP communityCity of Ponderay
- NFIP community number160150
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/18/09
The City of Ponderay participates in the National Flood Insurance Program as community 160150 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Bonner County, not Ponderay
Bonner County context, not Ponderay figures
- Establishments in Bonner County1,833
- Covered employment, Bonner County15,970
- Average annual pay, Bonner County$51,761
- Housing units permitted, Bonner County147
Every figure in this section is published for Bonner County as a whole and is not a measurement of Ponderay.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Ponderay questions, answered from the record.
How many people live in Ponderay, Idaho?
1,534, in 630 households. Ponderay city covers 2.94 square miles of land, which is 523 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ponderay in?
Bonner County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Ponderay?
$51,346. The median owner-occupied home is valued at $436,700. Median gross rent is $1,099 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ponderay businesses?
12 7(a) approvals totaling $5.6 m since FY2020, across 5 lenders, median approval $74,900, plus 7 504 approvals worth $4.3 m since FY2010. These count approvals to borrowers whose address is in Ponderay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ponderay borrowers get paid back?
No rate is published for Ponderay. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ponderay in the National Flood Insurance Program?
Yes. Ponderay appears in the FEMA Community Status Book as Ponderay, city of, community 160150, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ponderay figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bonner County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ponderay.
Is zoning published for Ponderay?
No. Nothing on this page presents parcel level zoning.
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