Spirit Lake, Bonner County, Idaho Property Taxes
Property Taxes in Spirit Lake, Idaho
Median Spirit Lake, Idaho effective property tax rate: 0.30%, significantly lower than the national median of 1.02%, and lower than the Idaho state median of 0.42%.
Median Spirit Lake, Idaho home value: $447,592
Median annual Spirit Lake, Idaho tax bill: $1,295, $1,105 lower than the national median property tax bill of $2,400.
How are property taxes in Bonner calculated?
Property taxes in Spirit Lake, Idaho are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Spirit Lake's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Spirit Lake, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Spirit Lake, Bonner County, Idaho Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.3%
Estimate Property Tax Bill
$1,343
$1,246
How Does the Spirit Lake Property Tax Calculator Work?
Use this Spirit Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Spirit Lake's median effective tax rate of 0.30% — based on actual property records in Bonner County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Spirit Lake's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Spirit Lake, but the median tax bill is $1,295 in 83869. Spirit Lake's median effective tax rate is lower than the 0.42% state median, and the median tax bill is lower than the state median by $1,105.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Spirit Lake.
About Spirit Lake Property Taxes
About Property Taxes in Spirit Lake, Bonner, Idaho
Spirit Lake's median effective property tax rate of 0.30% is lower than the Idaho state median of 0.42% and lower than the national median of 1.02%. This rate reflects the Bonner County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Spirit Lake. Homeowners in the 83869 ZIP code carry a median effective rate of 0.30%, while those in the lowest ZIP code pay 0.30%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Bonner County. Understanding which part of Spirit Lake you live in can make a meaningful difference to your annual tax bill.
Spirit Lake homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the June 22, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Spirit Lake, Bonner County, Idaho
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Spirit Lake's effective property tax rate to other cities in Idaho and the median property tax rates in Idaho and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Spirit Lake Tax Rate
0.30%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Bonner County Tax Rate
0.37%
Median Effective Idaho Tax Rate
0.42%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Spirit Lake, Bonner County, Idaho
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 83869 | 0.22% | 0.27% | 0.30% | 0.36% | 0.45% |
Source: Ownwell
Property Tax Assessment Values Across Spirit Lake, Bonner County, Idaho
When examining property taxes in Spirit Lake, Idaho, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Bonner County assessor estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Bonner County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Spirit Lake.
For example, the median home price in Spirit Lake is $447,592, with tax bills ranging significantly across the county. Zip code 83869 has the highest median home price at $447,592.
Property Tax Assessment Values Across Spirit Lake, Bonner County, Idaho
Source: Ownwell
$297,758
$668,439
$1,039,119
Median Spirit Lake Market Value
$447,592
Median Bonner County Market Value
$501,635
Median Idaho Market Value
$389,309
Median United States Market Value
$235,294
Property Tax Assessment Values Across Spirit Lake, Bonner County, Idaho
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 83869 | $57,853 | $272,304 | $447,592 | $652,208 | $852,957 |
Source: Ownwell
Property Tax Bills Across Spirit Lake, Bonner County, Idaho
Property tax bills in Spirit Lake are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s market value changes, the assessed value can change too, which may raise or lower the bill. For homeowners in Bonner County, the amount owed depends on how the home is valued, the tax rate applied, and any exemptions that may reduce the taxable amount.
With a median home price of $447,592, property taxes can have a meaningful impact on monthly housing costs and long-term affordability. The typical tax bill in the area is $1,295, and bills can vary widely depending on the property. Some homeowners pay less, while others face higher bills based on their home’s assessed value and location.
Because property taxes are tied to value, even small changes in assessment can affect what homeowners owe each year.
Median Spirit Lake Tax Bill
$1,295
Median Bonner County Tax Bill
$1,883
Median Idaho Tax Bill
$1,726
Median United States Tax Bill
$2,400
Property Tax Bills Across Spirit Lake, Bonner County, Idaho
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 83869 | $295 | $733 | $1,295 | $1,910 | $2,532 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | June 22 |
Links | |
|---|---|
| Bonner Tax Assessor | |
| Website | cloudgisapps.bonnercountyid.gov |