Owyhee County, Idaho home prices
Typical home $433,227 · +3.4% in a year · property tax 0.4%
The typical home in Owyhee County is worth $433,227, 9% less than the Idaho typical home ($476,754). Values changed +3.4% in the past year and +7.8% over five years. Homeowners here pay a median 0.4% of their home's value in property tax each year ($1,724 on the typical home), versus 0.42% statewide.
Mortgage on the typical Owyhee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $86,645 | $346,582 | $2,331 | $0 | $360 | $2,692 | $115,400 |
| 10% down | $43,323 | $389,905 | $2,623 | $162 | $360 | $3,146 | $134,800 |
| 5% down | $21,661 | $411,566 | $2,769 | $171 | $360 | $3,300 | $141,400 |
| 3.5% down (FHA) | $15,163 | $425,381 | $2,862 | $192 | $360 | $3,413 | $146,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.4% 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 Boise City metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Franklin County | $435,938 | +2.7% | 0.4% |
| Madison County | $423,156 | +5.3% | 0.48% |
| Canyon County | $416,843 | +1.7% | 0.52% |
| Payette County | $412,388 | +3.8% | 0.4% |
| Bear Lake County | $402,207 | +2.8% | 0.41% |
| Boundary County | $464,905 | +3.4% | 0.39% |
| Jerome County | $400,477 | +3.2% | 0.63% |
| Bonneville County | $400,373 | +1.6% | 0.5% |
| Jefferson County | $469,151 | +2.9% | 0.45% |
| Custer County | $394,611 | +10.9% | 0.29% |
Frequently asked questions
What is the average home price in Owyhee County, ID?
The typical home value in Owyhee County is $433,227 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Owyhee County?
About $115,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Owyhee County?
The median effective rate is 0.4% of home value a year (Census ACS 2024 5-year estimates).