Clearwater County, Idaho home prices
Typical home $305,690 · +3.8% in a year · property tax 0.54%
The typical home in Clearwater County is worth $305,690, 36% less than the Idaho typical home ($476,754). Values changed +3.8% in the past year and +19.7% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($1,645 on the typical home), versus 0.42% statewide.
Mortgage on the typical Clearwater County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,138 | $244,552 | $1,645 | $0 | $290 | $1,935 | $82,900 |
| 10% down | $30,569 | $275,121 | $1,851 | $115 | $290 | $2,255 | $96,700 |
| 5% down | $15,284 | $290,405 | $1,954 | $121 | $290 | $2,364 | $101,300 |
| 3.5% down (FHA) | $10,699 | $300,153 | $2,019 | $135 | $290 | $2,444 | $104,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 |
|---|---|---|---|
| Lincoln County | $317,214 | +3.1% | 0.43% |
| Minidoka County | $321,699 | +1.5% | 0.48% |
| Lewis County | $286,288 | +4.0% | 0.6% |
| Benewah County | $330,964 | +2.0% | 0.49% |
| Shoshone County | $274,018 | -0.1% | 0.5% |
| Caribou County | $342,793 | +7.5% | 0.56% |
| Power County | $265,564 | +3.7% | 0.7% |
| Cassia County | $346,703 | +4.8% | 0.41% |
| Oneida County | $350,270 | +3.2% | 0.44% |
| Idaho County | $350,983 | +1.5% | 0.32% |
Frequently asked questions
What is the average home price in Clearwater County, ID?
The typical home value in Clearwater County is $305,690 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clearwater County?
About $82,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clearwater County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).