Payette County, Idaho home prices
Typical home $412,388 · +3.8% in a year · property tax 0.4%
The typical home in Payette County is worth $412,388, 14% less than the Idaho typical home ($476,754). Values changed +3.8% in the past year and +12.3% over five years. Homeowners here pay a median 0.4% of their home's value in property tax each year ($1,637 on the typical home), versus 0.42% statewide.
Mortgage on the typical Payette County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,478 | $329,911 | $2,219 | $0 | $343 | $2,562 | $109,800 |
| 10% down | $41,239 | $371,149 | $2,497 | $155 | $343 | $2,994 | $128,300 |
| 5% down | $20,619 | $391,769 | $2,635 | $163 | $343 | $3,141 | $134,600 |
| 3.5% down (FHA) | $14,434 | $404,919 | $2,724 | $182 | $343 | $3,249 | $139,200 |
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 Ontario metro area.
Idaho counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Canyon County | $416,843 | +1.7% | 0.52% |
| Bear Lake County | $402,207 | +2.8% | 0.41% |
| Madison County | $423,156 | +5.3% | 0.48% |
| Jerome County | $400,477 | +3.2% | 0.63% |
| Bonneville County | $400,373 | +1.6% | 0.5% |
| Custer County | $394,611 | +10.9% | 0.29% |
| Owyhee County | $433,227 | +3.4% | 0.4% |
| Nez Perce County | $390,046 | +2.5% | 0.78% |
| Franklin County | $435,938 | +2.7% | 0.4% |
| Lemhi County | $387,464 | +6.9% | 0.35% |
Frequently asked questions
What is the average home price in Payette County, ID?
The typical home value in Payette County is $412,388 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Payette County?
About $109,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Payette County?
The median effective rate is 0.4% of home value a year (Census ACS 2024 5-year estimates).