Lincoln County, Idaho home prices
Typical home $317,214 · +3.1% in a year · property tax 0.43%
The typical home in Lincoln County is worth $317,214, 33% less than the Idaho typical home ($476,754). Values changed +3.1% in the past year and +22.2% over five years. Homeowners here pay a median 0.43% of their home's value in property tax each year ($1,355 on the typical home), versus 0.42% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,443 | $253,771 | $1,707 | $0 | $272 | $1,979 | $84,800 |
| 10% down | $31,721 | $285,493 | $1,921 | $119 | $272 | $2,311 | $99,000 |
| 5% down | $15,861 | $301,354 | $2,027 | $126 | $272 | $2,424 | $103,900 |
| 3.5% down (FHA) | $11,102 | $311,469 | $2,095 | $140 | $272 | $2,507 | $107,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.43% 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 |
|---|---|---|---|
| Minidoka County | $321,699 | +1.5% | 0.48% |
| Clearwater County | $305,690 | +3.8% | 0.54% |
| Benewah County | $330,964 | +2.0% | 0.49% |
| Caribou County | $342,793 | +7.5% | 0.56% |
| Cassia County | $346,703 | +4.8% | 0.41% |
| Lewis County | $286,288 | +4.0% | 0.6% |
| Oneida County | $350,270 | +3.2% | 0.44% |
| Idaho County | $350,983 | +1.5% | 0.32% |
| Gooding County | $353,003 | +2.6% | 0.51% |
| Bannock County | $355,363 | +1.5% | 0.64% |
Frequently asked questions
What is the average home price in Lincoln County, ID?
The typical home value in Lincoln County is $317,214 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $84,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.43% of home value a year (Census ACS 2024 5-year estimates).