Benewah County presents a decision tension: Zillow’s county home-value reading is current, whereas FHFA’s stronger repeat-transaction appreciation reading is from a different period and method, and market rent is absent. In 2026-06 Zillow put median home value at $341,274, up 2.79%. FHFA’s 2025 repeat-transaction HPI—not a home value—rose 13.61% annually and 69.87% cumulatively over five years. Those methods and vintages cannot be averaged. Buyers relying on appreciation should investigate recent closed comps; income-focused underwriting should remain cautious.
Measured market rent is not published, so gross yield cannot be computed from this record. HUD’s two-bedroom FMR is $1,079 per month, but it is a payment standard rather than an estimate of county asking rent and cannot substitute in a yield calculation. The effective property-tax rate is 0.49%, a carrying-cost input alongside the current price measure. The reported median annual tax is another reference, but cannot be matched to Zillow’s median value or a specific property.
Realtor.com’s 2026-06 MLS evidence shows 58 active listings, 18.37% more year over year, while the pending-to-active ratio was 25%. These are visible supply and listing-status measures, not closed sales or proof of buyer demand. The 16.65% price-reduced share measures seller concessions; property-specific comparable sales still require review. Tax-return migration was net positive by 3 households, and inbound movers’ average income exceeded outbound movers’ by $17,097. That small flow offers little depth evidence. Investor purchase participation was limited relative to total purchase mortgages.
Inland flood is the dominant hazard, and modeled annual building-value loss is 0.26%; treat that model as a screening input, not site-specific damage or insurance cost. Annual QCEW counts covered jobs at county workplaces, not resident employment or an outlook; its largest disclosed private supersector is Trade, transportation, and utilities, not the whole economy. Missing achieved rents, vacancy, lease concessions, insurance quotes, flood-zone and elevation data, and closed-sale comps prevent a property-level cash-flow, liquidity, and hazard conclusion. Next checks are rent rolls, tax bills, insurance, and parcel-level flood review.