Gooding County, Idaho home prices
Typical home $353,003 · +2.6% in a year · property tax 0.51%
The typical home in Gooding County is worth $353,003, 26% less than the Idaho typical home ($476,754). Values changed +2.6% in the past year and +17.8% over five years. Homeowners here pay a median 0.51% of their home's value in property tax each year ($1,799 on the typical home), versus 0.42% statewide.
Mortgage on the typical Gooding County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $70,601 | $282,402 | $1,900 | $0 | $326 | $2,226 | $95,400 |
| 10% down | $35,300 | $317,703 | $2,137 | $132 | $326 | $2,596 | $111,300 |
| 5% down | $17,650 | $335,353 | $2,256 | $140 | $326 | $2,722 | $116,700 |
| 3.5% down (FHA) | $12,355 | $346,609 | $2,332 | $156 | $326 | $2,814 | $120,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.51% 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 |
|---|---|---|---|
| Idaho County | $350,983 | +1.5% | 0.32% |
| Bannock County | $355,363 | +1.5% | 0.64% |
| Oneida County | $350,270 | +3.2% | 0.44% |
| Elmore County | $356,835 | +1.8% | 0.54% |
| Cassia County | $346,703 | +4.8% | 0.41% |
| Caribou County | $342,793 | +7.5% | 0.56% |
| Benewah County | $330,964 | +2.0% | 0.49% |
| Camas County | $376,032 | +8.4% | 0.37% |
| Twin Falls County | $380,622 | +3.3% | 0.61% |
| Minidoka County | $321,699 | +1.5% | 0.48% |
Frequently asked questions
What is the average home price in Gooding County, ID?
The typical home value in Gooding County is $353,003 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gooding County?
About $95,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gooding County?
The median effective rate is 0.51% of home value a year (Census ACS 2024 5-year estimates).