Oneida County, Idaho home prices
Typical home $350,270 · +3.2% in a year · property tax 0.44%
The typical home in Oneida County is worth $350,270, 27% less than the Idaho typical home ($476,754). Values changed +3.2% in the past year and +26.1% over five years. Homeowners here pay a median 0.44% of their home's value in property tax each year ($1,554 on the typical home), versus 0.42% statewide.
Mortgage on the typical Oneida County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $70,054 | $280,216 | $1,885 | $0 | $305 | $2,190 | $93,800 |
| 10% down | $35,027 | $315,243 | $2,121 | $131 | $305 | $2,557 | $109,600 |
| 5% down | $17,514 | $332,757 | $2,238 | $139 | $305 | $2,682 | $114,900 |
| 3.5% down (FHA) | $12,259 | $343,926 | $2,314 | $155 | $305 | $2,773 | $118,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.44% 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% |
| Gooding County | $353,003 | +2.6% | 0.51% |
| Cassia County | $346,703 | +4.8% | 0.41% |
| Bannock County | $355,363 | +1.5% | 0.64% |
| Elmore County | $356,835 | +1.8% | 0.54% |
| Caribou County | $342,793 | +7.5% | 0.56% |
| Benewah County | $330,964 | +2.0% | 0.49% |
| Camas County | $376,032 | +8.4% | 0.37% |
| Minidoka County | $321,699 | +1.5% | 0.48% |
| Twin Falls County | $380,622 | +3.3% | 0.61% |
Frequently asked questions
What is the average home price in Oneida County, ID?
The typical home value in Oneida County is $350,270 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oneida County?
About $93,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oneida County?
The median effective rate is 0.44% of home value a year (Census ACS 2024 5-year estimates).