Boundary County, Idaho: commercial real estate data.
Boundary County, Idaho had an estimated 14,040 residents on July 1, 2024, up 16.4 percent since the 2020 census base of 12,060, across 1,269 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Boundary County
How many people live in Boundary County
- Population, American Community Survey 2020-202413,172
- 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-equivalents, Puerto Rico included2276th of 3,222
Boundary County is the 25th largest of 44 Idaho counties by population. A median home costs 6.1 times median household income, which is severely unaffordable by national standards. 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 story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Boundary County
Is Boundary County's population growing?
- Population, July 1, 202414,040
- Census 2020 base population12,060
- Population change since the 2020 census base16.42 percent
- Population change, 2023 to 2024363
- 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 of 3,144
The county has grown 16.42 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Boundary County
Where are people moving to Boundary County from?
- Tax returns filed by households arriving445
- People arriving, from those returns968
- Tax returns filed by households leaving299
- Net household movement146
- Adjusted gross income arriving$35.7 m
- Net adjusted gross income movement$14.7 m
- Average income of an arriving household$80,247
- Average income of a leaving household$70,348
- Largest single originKootenai County (63 households)
- Largest single destinationBonner County (48 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kootenai County | 63 | 142 | $3.3 m |
| Bonner County | 57 | 127 | $4.3 m |
Households arriving report $9,899 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Kootenai County, 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 is the Boundary County economy?
- 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 the Idaho areas BEA publishes28th of 44
- Rank by GDP among the US county areas BEA publishes2201st of 3,127
- 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
Employment by industry in Boundary County
- Covered employment, annual average4,045
- Establishments reporting613
- Average annual pay$51,133
- Average weekly wage$983
- Manufacturing, employment589
- Manufacturing, average annual pay$58,357
- Retail trade, employment507
- Retail trade, average annual pay$33,201
- Construction, employment397
- Construction, average annual pay$58,474
- Health care and social assistance, employment262
- Health care and social assistance, average annual pay$45,090
- Accommodation and food services, employment162
- Professional, scientific and technical services, employment161
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 589 | 28 | $58,357 |
| Retail trade | 507 | 54 | $33,201 |
| Construction | 397 | 125 | $58,474 |
| Health care and social assistance | 262 | 48 | $45,090 |
| Accommodation and food services | 162 | 32 | $17,951 |
| Professional, scientific and technical services | 161 | 58 | $72,254 |
| Administrative and support and waste management services | 106 | 29 | $36,935 |
| Wholesale trade | 100 | 29 | $124,562 |
Manufacturing is the largest private sector at 589 jobs, 14.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Boundary County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Boundary County
Building permits in Boundary County
- Housing units authorized by permit, 202464
- Declared construction value permitted$6.9 m
- Single family units authorized16
- Multifamily units authorized48
- Multifamily share of units75.0 percent
- Average declared value per unit$108,037
- Units authorized per 1,000 households12.7
Multifamily is 75.0 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Boundary County
SBA loans in Boundary County (7(a) and 504)
- 7(a) approvals recorded30
- 7(a) gross approval dollars$8.5 m
- Average 7(a) approval$283,923
- Median 7(a) approval$62,500
- 10th percentile approval$19,500
- 90th percentile approval$737,840
- 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 $62,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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
Only 7 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Boundary County
SBA lending by place in Boundary County
- Borrower cities with recorded lending3
- Bonners Ferry, approvals25
- Naples, approvals3
- Moyie Springs, approvals2
| Borrower city | 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 large 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 boundary3
- 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.
Boundary County
Flood risk in Boundary County
- Participation of the county's own NFIP community Boundary County, unincorporated areasParticipating, community 160207
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Boundary County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Boundary County (community 160207), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Boundary County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
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.
- Population, American Community Survey 2020-202413,172
- 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?
The Census Bureau estimates 14,040 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 16.42 percent since the 2020 census base of 12,060, to 14,040 on July 1, 2024. 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 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 employment by industry in Boundary County?
Manufacturing is the largest private sector at 589 jobs, 14.6 percent of covered employment. Covered employment averages 4,045 jobs at an average annual pay of $51,133, or $983 a week. 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 totaling $8.5 m since FY2020, across 7 lenders, with a median approval of $62,500. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Boundary County?
64 housing units were authorized 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 Kootenai County, with 63 households. Arriving households report an average income of $80,247 against $70,348 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Boundary County
Cities and places in Boundary.
2 Census places lie wholly or partly in Boundary County. All 2 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Bonners Ferry | city | 2,669 | 25 | Wholly in this county |
| Moyie Springs | city | 1,378 | 2 | Wholly in this county |
A further 3 of the county's 30 SBA 7(a) approvals are to borrowers in cities that match no Census place in Boundary County, the largest being Naples (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby