Jefferson County, Idaho home prices
Typical home $469,151 · +2.9% in a year · property tax 0.45%
The typical home in Jefferson County is worth $469,151, about the same as the Idaho typical home ($476,754). Values changed +2.9% in the past year and +15.5% over five years. Homeowners here pay a median 0.45% of their home's value in property tax each year ($2,095 on the typical home), versus 0.42% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $93,830 | $375,320 | $2,525 | $0 | $409 | $2,934 | $125,700 |
| 10% down | $46,915 | $422,235 | $2,840 | $176 | $409 | $3,426 | $146,800 |
| 5% down | $23,458 | $445,693 | $2,998 | $186 | $409 | $3,593 | $154,000 |
| 3.5% down (FHA) | $16,420 | $460,653 | $3,099 | $208 | $409 | $3,716 | $159,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.45% 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 Idaho Falls metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fremont County | $473,183 | +6.8% | 0.44% |
| Boundary County | $464,905 | +3.4% | 0.39% |
| 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% |
| Adams County | $510,933 | +1.9% | 0.36% |
| Madison County | $423,156 | +5.3% | 0.48% |
| Canyon County | $416,843 | +1.7% | 0.52% |
Frequently asked questions
What is the average home price in Jefferson County, ID?
The typical home value in Jefferson County is $469,151 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $125,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 0.45% of home value a year (Census ACS 2024 5-year estimates).