HomeIdahoBonner CountySandpoint
Sandpoint, Idaho: commercial real estate data.
Sandpoint is a Census city of 9,637 people across 4.28 square miles of land, in Bonner County. Median household income is $72,289, 57.5 percent of occupied homes are owned, and the SBA record carries 99 7(a) approvals to borrowers here worth $19.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sandpoint
What Sandpoint is
- Census place typecity
- Land area4.28 sq mi
- Water area0.28 sq mi
- Population per square mile of land2,253
- 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.
Sandpoint
How many people live in Sandpoint
- Population9,637
- Median age41.5
- Population under 182,117
- Share under 1822.0 percent
- Population 65 and over1,754
- Share 65 and over18.2 percent
- Households4,038
- Family households2,327
- Share of households that are families57.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandpoint
Income and work in Sandpoint
- Median household income$72,289
- Per capita income$43,623
- Civilian labor force4,826
- Employed4,707
- Unemployed119 plus or minus 81
- Unemployment rate2.5 percent plus or minus 1.7
- Adults 25 and over7,143
- Adults 25 and over with a high school diploma or higher92.9 percent
- Adults 25 and over with a bachelor degree or higher36.6 percent
- Adults 25 and over with a graduate degree12.4 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandpoint
Housing in Sandpoint
- Housing units4,326
- Occupied units4,038
- Vacant units288 plus or minus 124
- Vacancy rate6.7 percent plus or minus 2.8
- Owner occupied2,321
- Renter occupied1,717
- Ownership rate57.5 percent
- Median owner-occupied home value$465,600
- Median gross rent, monthly$1,125
- Annual rent as a share of median income18.7 percent
- Single family units3,010
- Share single family69.6 percent
- Units in buildings of two or more1,219
- Share in buildings of two or more28.2 percent
- Mobile homes97 plus or minus 52
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandpoint
How Sandpoint gets to work
- Workers 16 and over who commute4,174
- Commuting under 15 minutes2,992
- Share commuting under 15 minutes71.7 percent
- Commuting 30 minutes or more585 plus or minus 193
- Share commuting 30 minutes or more14.0 percent plus or minus 4.5
- Drove alone71.3 percent
- Carpooled7.6 percent plus or minus 5.1
- Public transport0.3 percent plus or minus 0.6
- Walked5.7 percent plus or minus 2.6
- Worked from home10.3 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Sandpoint
SBA loans in Sandpoint (7(a))
- Approvals99
- Gross approval$19,109,900
- Average approval$193,029
- Median approval$50,000
- Ninetieth percentile approval$370,400
- Largest approval$3,607,000
- Jobs supported516
- Jobs per approval5.2
- Loans with a final outcome28
- Paid in full27
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more8.1 percent
- Share to franchises1.0 percent
- Distinct lenders14
- Distinct industries by NAICS56
Counted by borrower city: approvals to borrowers whose address is in Sandpoint, in any county, FY2020 to FY2026. Only 28 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.
Sandpoint
SBA loans in Sandpoint (504)
- Approvals11
- Gross approval$5,284,000
- Average approval$480,364
- Median approval$437,000
- Largest approval$1,176,000
- Jobs supported43
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Sandpoint, in any county, FY2010 to FY2026. Only 1 loan has 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.
Sandpoint
Flood risk in Sandpoint
- NFIP communityCity of Sandpoint
- NFIP community number160025
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/18/09
The City of Sandpoint participates in the National Flood Insurance Program as community 160025 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 Sandpoint
Bonner County context, not Sandpoint 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 Sandpoint.
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
Sandpoint questions, answered from the record.
How many people live in Sandpoint, Idaho?
9,637, in 4,038 households. Sandpoint city covers 4.28 square miles of land, which is 2,253 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Sandpoint 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 Sandpoint?
$72,289. The median owner-occupied home is valued at $465,600. Median gross rent is $1,125 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Sandpoint businesses?
99 7(a) approvals totaling $19.1 m since FY2020, across 14 lenders, median approval $50,000, plus 11 504 approvals worth $5.3 m since FY2010. These count approvals to borrowers whose address is in Sandpoint, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Sandpoint borrowers get paid back?
No rate is published for Sandpoint. Only 28 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 Sandpoint in the National Flood Insurance Program?
Yes. Sandpoint appears in the FEMA Community Status Book as Sandpoint, city of, community 160025, 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 Sandpoint 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 Sandpoint.
Is zoning published for Sandpoint?
No. Nothing on this page presents parcel level zoning.
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