Kootenai County, Idaho: commercial real estate data.
Kootenai County, Idaho had an estimated 188,323 residents on July 1, 2024, up 9.9 percent since the 2020 census base of 171,362, across 1,244 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kootenai County
How many people live in Kootenai County
- Population, American Community Survey 2020-2024181,996
- 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-equivalents, Puerto Rico included377th of 3,222
Kootenai County is the 3rd largest of 44 Idaho counties by population. A median home costs 6.3 times median household income, which is severely unaffordable by national standards. 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's population growing?
- Population, July 1, 2024188,323
- Census 2020 base population171,362
- Population change since the 2020 census base9.90 percent
- Population change, 2023 to 20243,086
- 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 of 3,144
The county has grown 9.90 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.
Kootenai County
Where are people moving to Kootenai County from?
- Tax returns filed by households arriving6,059
- People arriving, from those returns11,884
- Tax returns filed by households leaving4,991
- Net household movement1,068
- Adjusted gross income arriving$660.0 m
- Net adjusted gross income movement$293.0 m
- Average income of an arriving household$108,936
- Average income of a leaving household$73,545
- Largest single originSpokane County (977 households)
- Largest single destinationSpokane County (1,093 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Spokane County | 977 | 1,759 | $75.5 m |
| King County | 230 | 545 | $60.1 m |
| Bonner County | 221 | 387 | $13.1 m |
| Los Angeles County | 179 | 358 | $27.3 m |
| Snohomish County | 171 | 366 | $22.4 m |
| Orange County | 153 | 309 | $29.4 m |
| San Diego County | 147 | 286 | $17.2 m |
| Ada County | 139 | 254 | $10.0 m |
Households arriving report $35,391 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 Spokane 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.
Kootenai County
What is the Kootenai County economy?
- 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 the Idaho areas BEA publishes3rd of 44
- Rank by GDP among the US county areas BEA publishes396th of 3,127
- 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
Employment by industry in Kootenai County
- Covered employment, annual average71,068
- Establishments reporting8,717
- Average annual pay$55,888
- Average weekly wage$1,075
- Health care and social assistance, employment12,806
- Health care and social assistance, average annual pay$67,208
- Retail trade, employment9,618
- Retail trade, average annual pay$42,545
- Accommodation and food services, employment8,542
- Accommodation and food services, average annual pay$25,327
- Construction, employment6,867
- Construction, average annual pay$62,317
- Manufacturing, employment5,125
- Professional, scientific and technical services, employment3,387
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 12,806 | 1,060 | $67,208 |
| Retail trade | 9,618 | 680 | $42,545 |
| Accommodation and food services | 8,542 | 581 | $25,327 |
| Construction | 6,867 | 1,537 | $62,317 |
| Manufacturing | 5,125 | 376 | $59,570 |
| Professional, scientific and technical services | 3,387 | 1,140 | $85,527 |
| Administrative and support and waste management services | 2,975 | 531 | $47,428 |
| Arts, entertainment and recreation | 2,559 | 145 | $30,908 |
Health care and social assistance is the largest private sector at 12,806 jobs, 18.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kootenai County
How many businesses are 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. 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.
Kootenai County
Building permits in Kootenai County
- Housing units authorized by permit, 20241,587
- Declared construction value permitted$529.9 m
- Single family units authorized1,371
- Multifamily units authorized216
- Multifamily share of units13.6 percent
- Average declared value per unit$333,926
- Units authorized per 1,000 households22.3
Single-family homes are 86.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Kootenai County
SBA loans in Kootenai County (7(a) and 504)
- 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$1,359,720
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$304.0 m
The average approval of $496,730 sits well above the median of $168,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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.
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.
Kootenai County
SBA lending by place in Kootenai County
- Borrower cities with recorded lending14
- Coeur d'Alene, approvals143
- Post Falls, approvals108
- Hayden, approvals90
- Rathdrum, approvals35
- Dalton Gardens, approvals14
- Athol, approvals13
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Coeur d'Alene | 143 | $62,356,400 |
| 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 |
| Spirit Lake | 11 | $6,356,600 |
| Worley | 2 | $2,294,500 |
| 6 other borrower cities | 7 | $2,035,000 |
Coeur d'Alene accounts for 143 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 large 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 boundary4
- 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.
Kootenai County
Flood risk in Kootenai County
- Participation of the county's own NFIP community Kootenai County, unincorporated areasParticipating, community 160076
- Community Rating System class of the county's own communityClass 7
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Kootenai 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 Kootenai County (community 160076), participates in the National Flood Insurance Program and carries Community Rating System class 7, a flood insurance premium discount for policies written there. The EPA places Kootenai 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. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 91.7 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 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.
- Population, American Community Survey 2020-2024181,996
- 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?
The Census Bureau estimates 188,323 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 9.90 percent since the 2020 census base of 171,362, to 188,323 on July 1, 2024. 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 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 employment by industry in Kootenai County?
Health care and social assistance is the largest private sector at 12,806 jobs, 18.0 percent of covered employment. Covered employment averages 71,068 jobs at an average annual pay of $55,888, or $1,075 a week. 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 totaling $210.1 m since FY2020, across 56 lenders, with a median approval of $168,000, plus 139 504 approvals worth $93.9 m since FY2010. 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.
How many building permits were issued in Kootenai County?
1,587 housing units were authorized 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 Spokane County, with 977 households. Arriving households report an average income of $108,936 against $73,545 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?
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.
Kootenai County
Cities and places in Kootenai.
16 Census places lie wholly or partly in Kootenai County. All 16 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 |
|---|---|---|---|---|
| Coeur d'Alene | city | 56,447 | 143 | Wholly in this county |
| Post Falls | city | 43,391 | 108 | Wholly in this county |
| Hayden | city | 16,338 | 90 | Wholly in this county |
| Rathdrum | city | 10,874 | 35 | Wholly in this county |
| Dalton Gardens | city | 2,496 | 14 | Wholly in this county |
| Spirit Lake | city | 1,972 | 11 | Wholly in this county |
| Hauser | city | 932 | 1 | Wholly in this county |
| Hayden Lake | city | 834 | None recorded | Wholly in this county |
| Athol | city | 777 | 13 | Wholly in this county |
| Rockford Bay | CDP | 336 | None recorded | Wholly in this county |
| Worley | city | 230 | 2 | Wholly in this county |
| Fernan Lake Village | city | 212 | None recorded | Wholly in this county |
| Huetter | city | 212 | None recorded | Wholly in this county |
| Harrison | city | 190 | 2 | Wholly in this county |
| Conkling Park | CDP | 123 | None recorded | Wholly in this county |
| State Line | city | 9 | None recorded | Wholly in this county |
A further 4 of the county's 423 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kootenai County, the largest being Coeur D'Aleme (1), Columbia Falls (1), Spokane (1). 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