Elmore County, Idaho home prices
Typical home $356,835 · +1.8% in a year · property tax 0.54%
The typical home in Elmore County is worth $356,835, 25% less than the Idaho typical home ($476,754). Values changed +1.8% in the past year and +13.8% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($1,918 on the typical home), versus 0.42% statewide.
Mortgage on the typical Elmore County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,367 | $285,468 | $1,920 | $0 | $338 | $2,259 | $96,800 |
| 10% down | $35,683 | $321,151 | $2,160 | $134 | $338 | $2,632 | $112,800 |
| 5% down | $17,842 | $338,993 | $2,280 | $141 | $338 | $2,760 | $118,300 |
| 3.5% down (FHA) | $12,489 | $350,372 | $2,357 | $158 | $338 | $2,853 | $122,300 |
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 · part of the Mountain Home metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Camas County | $376,032 | +8.4% | 0.37% |
| Twin Falls County | $380,622 | +3.3% | 0.61% |
| Benewah County | $330,964 | +2.0% | 0.49% |
| Bingham County | $384,891 | +3.6% | 0.5% |
Frequently asked questions
What is the average home price in Elmore County, ID?
The typical home value in Elmore County is $356,835 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Elmore County?
About $96,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Elmore County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).