Valley County, Idaho home prices
Typical home $683,380 · +3.2% in a year · property tax 0.3%
The typical home in Valley County is worth $683,380, 43% more than the Idaho typical home ($476,754). Values changed +3.2% in the past year and +15.5% over five years. Homeowners here pay a median 0.3% of their home's value in property tax each year ($2,043 on the typical home), versus 0.42% statewide.
Mortgage on the typical Valley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $136,676 | $546,704 | $3,678 | $0 | $512 | $4,190 | $179,600 |
| 10% down | $68,338 | $615,042 | $4,137 | $256 | $512 | $4,906 | $210,200 |
| 5% down | $34,169 | $649,211 | $4,367 | $271 | $512 | $5,150 | $220,700 |
| 3.5% down (FHA) | $23,918 | $671,002 | $4,514 | $302 | $512 | $5,328 | $228,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.3% 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 |
|---|---|---|---|
| Bonner County | $659,993 | +3.4% | 0.38% |
| Kootenai County | $606,179 | +3.1% | 0.44% |
| Ada County | $525,709 | +1.6% | 0.52% |
| Adams County | $510,933 | +1.9% | 0.36% |
| Teton County | $873,202 | +4.6% | 0.31% |
| Boise County | $479,858 | +2.9% | 0.34% |
| Gem County | $479,474 | +3.6% | 0.33% |
| Latah County | $475,190 | +1.3% | 0.64% |
| Fremont County | $473,183 | +6.8% | 0.44% |
| Jefferson County | $469,151 | +2.9% | 0.45% |
Frequently asked questions
What is the average home price in Valley County, ID?
The typical home value in Valley County is $683,380 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Valley County?
About $179,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Valley County?
The median effective rate is 0.3% of home value a year (Census ACS 2024 5-year estimates).