Boise City, ID home prices
Typical home $491,851 · +1.7% in a year · income needed $133,100
The Boise City, ID metro area ranks 78 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.7% in a year and -0.3% over five years. With 20% down at 7.11%, the typical home costs about $3,105 a month including 0.52% property tax (Ada County rate).
Mortgage on the typical Boise City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $98,370 | $393,481 | $2,647 | $0 | $458 | $3,105 | $133,100 |
| 10% down | $49,185 | $442,666 | $2,978 | $184 | $458 | $3,621 | $155,200 |
| 5% down | $24,593 | $467,258 | $3,143 | $195 | $458 | $3,796 | $162,700 |
| 3.5% down (FHA) | $17,215 | $482,942 | $3,249 | $218 | $458 | $3,925 | $168,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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.
Counties in the Boise City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ada County, ID | $525,709 | +1.6% | 0.52% |
| Canyon County, ID | $416,843 | +1.7% | 0.52% |
| Gem County, ID | $479,474 | +3.6% | 0.33% |
| Owyhee County, ID | $433,227 | +3.4% | 0.4% |
| Boise County, ID | $479,858 | +2.9% | 0.34% |
What can you afford in Idaho on your salary? · Idaho home prices · Salaries in Idaho
Frequently asked questions
How much is a house in Boise City?
The typical home in the Boise City, ID metro area is worth $491,851 (Zillow, September 2026).
What salary do you need to buy a house in Boise City?
About $133,100 a year for the typical home with 20% down at 7.11%.