Idaho Falls, ID home prices
Typical home $408,436 · +1.6% in a year · income needed $110,300
The Idaho Falls, ID metro area ranks 141 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.6% in a year and +6.9% over five years. With 20% down at 7.11%, the typical home costs about $2,574 a month including 0.5% property tax (Bonneville County rate).
Mortgage on the typical Idaho Falls home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $81,687 | $326,749 | $2,198 | $0 | $376 | $2,574 | $110,300 |
| 10% down | $40,844 | $367,592 | $2,473 | $153 | $376 | $3,002 | $128,600 |
| 5% down | $20,422 | $388,014 | $2,610 | $162 | $376 | $3,148 | $134,900 |
| 3.5% down (FHA) | $14,295 | $401,038 | $2,698 | $181 | $376 | $3,254 | $139,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% 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 Idaho Falls area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bonneville County, ID | $400,373 | +1.6% | 0.5% |
| Jefferson County, ID | $469,151 | +2.9% | 0.45% |
What can you afford in Idaho on your salary? · Idaho home prices · Salaries in Idaho
Frequently asked questions
How much is a house in Idaho Falls?
The typical home in the Idaho Falls, ID metro area is worth $408,436 (Zillow, September 2026).
What salary do you need to buy a house in Idaho Falls?
About $110,300 a year for the typical home with 20% down at 7.11%.