Bear Lake County, Idaho home prices
Typical home $402,207 · +2.8% in a year · property tax 0.41%
The typical home in Bear Lake County is worth $402,207, 16% less than the Idaho typical home ($476,754). Values changed +2.8% in the past year and +17.2% over five years. Homeowners here pay a median 0.41% of their home's value in property tax each year ($1,632 on the typical home), versus 0.42% statewide.
Mortgage on the typical Bear Lake County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $80,441 | $321,766 | $2,165 | $0 | $337 | $2,502 | $107,200 |
| 10% down | $40,221 | $361,987 | $2,435 | $151 | $337 | $2,923 | $125,300 |
| 5% down | $20,110 | $382,097 | $2,570 | $159 | $337 | $3,067 | $131,400 |
| 3.5% down (FHA) | $14,077 | $394,922 | $2,657 | $178 | $337 | $3,172 | $135,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.41% 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.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jerome County | $400,477 | +3.2% | 0.63% |
| Bonneville County | $400,373 | +1.6% | 0.5% |
| Custer County | $394,611 | +10.9% | 0.29% |
| Payette County | $412,388 | +3.8% | 0.4% |
| Nez Perce County | $390,046 | +2.5% | 0.78% |
| Canyon County | $416,843 | +1.7% | 0.52% |
| Lemhi County | $387,464 | +6.9% | 0.35% |
| Washington County | $386,307 | +2.3% | 0.49% |
| Bingham County | $384,891 | +3.6% | 0.5% |
| Madison County | $423,156 | +5.3% | 0.48% |
Frequently asked questions
What is the average home price in Bear Lake County, ID?
The typical home value in Bear Lake County is $402,207 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bear Lake County?
About $107,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bear Lake County?
The median effective rate is 0.41% of home value a year (Census ACS 2024 5-year estimates).