How much house can I afford on $100,000 in Idaho?
About $374,000 with 20% down ($295,000 with an FHA loan), using Idaho's 0.42% property tax rate.
That is $102,335 less than the typical Idaho home ($476,754), so on $100,000 you'd look at cheaper areas or a smaller home. The payment of $2,333 covers $2,015 principal and interest, $131 property tax and $187 insurance.
Counties in Idaho you can afford on $100,000
15 of 43 counties have a typical home value at or below $374,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Elmore County | $356,835 | +1.8% | 0.54% |
| Bannock County | $355,363 | +1.5% | 0.64% |
| Gooding County | $353,003 | +2.6% | 0.51% |
| Idaho County | $350,983 | +1.5% | 0.32% |
| Oneida County | $350,270 | +3.2% | 0.44% |
| Cassia County | $346,703 | +4.8% | 0.41% |
| Caribou County | $342,793 | +7.5% | 0.56% |
| Benewah County | $330,964 | +2.0% | 0.49% |
| Minidoka County | $321,699 | +1.5% | 0.48% |
| Lincoln County | $317,214 | +3.1% | 0.43% |
| Clearwater County | $305,690 | +3.8% | 0.54% |
| Lewis County | $286,288 | +4.0% | 0.6% |
| Shoshone County | $274,018 | -0.1% | 0.5% |
| Power County | $265,564 | +3.7% | 0.7% |
| Clark County | $251,571 | -0.2% | 0.33% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.42% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Idaho
Frequently asked questions
How much house can I afford on $100,000 in Idaho?
About $374,000 with 20% down at 7.11%, keeping the payment (with Idaho's 0.42% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Idaho?
Not the typical home: the typical Idaho home is worth $476,754 (Zillow, September 2026) and $100,000 supports about $374,000. 15 of 43 counties are within budget.