Retirement Lists

Cost of Living in Coeur d'Alene, Idaho

Drone view of Coeur d'Alene, Idaho State, USA
Photo by Spicypepper999 via Wikimedia Commons, CC0

Coeur d'Alene costs

Lake access comes with a higher housing budget

Census estimates for 2020 through 2024 place median owner value at $483,500, median gross rent at $1,468, and median selected owner costs at $1,776 with a mortgage or $491 without one. Median household income was $72,338.

Add taxes, insurance, utilities, snow removal, repairs, transportation, parking, care, prescriptions, and recreation equipment. Compare a home near services with a less expensive home that adds winter driving and care miles.

Planning a monthly budget

A local monthly estimate of $3,469 gives you the starting point, with transportation taking the largest share.

Housing
$1,070
Utilities (in rent)
$231
Food
$594/mo
Transportation
$1,289/mo
Healthcare
$516

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$4,783

Moderate

Cost of Living for Couple
$5,214

Good

Typical 1BR Rent
$1,070

Very Good

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$387/mo

Good

Need for a Car
Required
Property Taxes
Low

Good

Overall Feel
Moderate
Residents 65+ Below Poverty Level
8.7%
65+ Householder — Renter Occupied
35.4%
65+ Households With High Housing Costs
40.1%
Median Household Income, Householder 65+
$50,183

Could Coeur d'Alene fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$3,469 per month
Two people
$5,214 per month

One-person estimate breakdown

Housing
$1,070
Food
$594
Transportation
$1,289
Healthcare
$516

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Coeur d'Alene in everyday life

Could Coeur d'Alene work for you?

What may work well

  • Census provides detailed city housing benchmarks.
  • A large local hospital may reduce some regional care travel.

What to think about

  • Housing costs are high relative to many smaller retirement markets.
  • Snow, heating, repairs, and transportation may add materially to ownership.

Price a Coeur d'Alene household

  1. Compare several addresses

    Keep housing, taxes, insurance, utilities, snow, repairs, parking, and neighborhood access visible.

  2. Map recurring trips

    Price Kootenai Health, pharmacy, groceries, library, parks, transit, family, and specialists from the exact address.

  3. Reserve for winter

    Keep room for snow, ice, heating, repairs, power, tires, and a ride when roads are difficult.

Questions retirees ask

Is the $491 figure the full cost of owning without a mortgage?

No. It is the Census median for selected owner costs without a mortgage. Add taxes, insurance, utilities, snow, repairs, care, and transportation.

Why can two homes have different budgets?

Taxes, insurance, snow, utilities, distance, parking, repairs, transit, and access to care vary by address.

Coeur d'Alene affordability depends on the home, winter maintenance, care route, transportation, and the distance between lake life and daily services.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.