Boundary County, Idaho home prices
Typical home $464,905 · +3.4% in a year · property tax 0.39%
The typical home in Boundary County is worth $464,905, 2% less than the Idaho typical home ($476,754). Values changed +3.4% in the past year and +7.1% over five years. Homeowners here pay a median 0.39% of their home's value in property tax each year ($1,806 on the typical home), versus 0.42% statewide.
Mortgage on the typical Boundary County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $92,981 | $371,924 | $2,502 | $0 | $383 | $2,885 | $123,600 |
| 10% down | $46,491 | $418,415 | $2,815 | $174 | $383 | $3,372 | $144,500 |
| 5% down | $23,245 | $441,660 | $2,971 | $184 | $383 | $3,538 | $151,600 |
| 3.5% down (FHA) | $16,272 | $456,485 | $3,071 | $206 | $383 | $3,659 | $156,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.39% 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 |
|---|---|---|---|
| Jefferson County | $469,151 | +2.9% | 0.45% |
| Fremont County | $473,183 | +6.8% | 0.44% |
| Latah County | $475,190 | +1.3% | 0.64% |
| Gem County | $479,474 | +3.6% | 0.33% |
| Boise County | $479,858 | +2.9% | 0.34% |
| Franklin County | $435,938 | +2.7% | 0.4% |
| Owyhee County | $433,227 | +3.4% | 0.4% |
| Madison County | $423,156 | +5.3% | 0.48% |
| Adams County | $510,933 | +1.9% | 0.36% |
| Canyon County | $416,843 | +1.7% | 0.52% |
Frequently asked questions
What is the average home price in Boundary County, ID?
The typical home value in Boundary County is $464,905 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Boundary County?
About $123,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Boundary County?
The median effective rate is 0.39% of home value a year (Census ACS 2024 5-year estimates).