Ada County, Idaho home prices
Typical home $525,709 · +1.6% in a year · property tax 0.52%
The typical home in Ada County is worth $525,709, 10% more than the Idaho typical home ($476,754). Values changed +1.6% in the past year and -0.2% over five years. Homeowners here pay a median 0.52% of their home's value in property tax each year ($2,724 on the typical home), versus 0.42% statewide.
Mortgage on the typical Ada County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $105,142 | $420,567 | $2,829 | $0 | $490 | $3,319 | $142,200 |
| 10% down | $52,571 | $473,138 | $3,183 | $197 | $490 | $3,870 | $165,900 |
| 5% down | $26,285 | $499,424 | $3,360 | $208 | $490 | $4,058 | $173,900 |
| 3.5% down (FHA) | $18,400 | $516,187 | $3,472 | $233 | $490 | $4,195 | $179,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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.
What it takes: see what you can afford by salary in Idaho · part of the Boise City metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adams County | $510,933 | +1.9% | 0.36% |
| Boise County | $479,858 | +2.9% | 0.34% |
| Gem County | $479,474 | +3.6% | 0.33% |
| Latah County | $475,190 | +1.3% | 0.64% |
| Fremont County | $473,183 | +6.8% | 0.44% |
| Jefferson County | $469,151 | +2.9% | 0.45% |
| Boundary County | $464,905 | +3.4% | 0.39% |
| Kootenai County | $606,179 | +3.1% | 0.44% |
| Franklin County | $435,938 | +2.7% | 0.4% |
| Owyhee County | $433,227 | +3.4% | 0.4% |
Frequently asked questions
What is the average home price in Ada County, ID?
The typical home value in Ada County is $525,709 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ada County?
About $142,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ada County?
The median effective rate is 0.52% of home value a year (Census ACS 2024 5-year estimates).