Moscow, ID home prices
Typical home $475,295 · +1.3% in a year · income needed $130,700
The Moscow, ID metro area ranks 87 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.3% in a year and +17.8% over five years. With 20% down at 7.11%, the typical home costs about $3,050 a month including 0.64% property tax (Latah County rate).
Mortgage on the typical Moscow home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $95,059 | $380,236 | $2,558 | $0 | $492 | $3,050 | $130,700 |
| 10% down | $47,530 | $427,766 | $2,878 | $178 | $492 | $3,548 | $152,100 |
| 5% down | $23,765 | $451,530 | $3,037 | $188 | $492 | $3,718 | $159,300 |
| 3.5% down (FHA) | $16,635 | $466,686 | $3,139 | $210 | $492 | $3,842 | $164,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 Moscow area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Latah County, ID | $475,190 | +1.3% | 0.64% |
What can you afford in Idaho on your salary? · Idaho home prices · Salaries in Idaho
Frequently asked questions
How much is a house in Moscow?
The typical home in the Moscow, ID metro area is worth $475,295 (Zillow, September 2026).
What salary do you need to buy a house in Moscow?
About $130,700 a year for the typical home with 20% down at 7.11%.