Mortgage on a $250K house in Idaho
$1,558 a month with 20% down — $1,345 principal and interest plus $88 property tax and $125 insurance.
Idaho's typical property tax is 0.42% of the home's value a year (U.S. average 0.9%), which adds $88 a month on a $250K home. The typical home in Idaho is worth $476,754, so $250K is 48% below the typical price.
$250K home in Idaho: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,000 | $200,000 | $1,345 | $0 | $213 | $1,558 | $66,800 |
| 10% down | $25,000 | $225,000 | $1,514 | $94 | $213 | $1,820 | $78,000 |
| 5% down | $12,500 | $237,500 | $1,598 | $99 | $213 | $1,909 | $81,800 |
| 3.5% down (FHA) | $8,750 | $245,472 | $1,651 | $111 | $213 | $1,974 | $84,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.42% 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.
Where in Idaho does $250K buy a typical home?
In these counties the typical home value is within 15% of $250K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Clark County | $251,571 | 0.33% | $1,539 |
| Power County | $265,564 | 0.7% | $1,617 |
| Shoshone County | $274,018 | 0.5% | $1,574 |
| Lewis County | $286,288 | 0.6% | $1,594 |
0 of 43 Idaho counties tracked by Zillow have a typical home value at or below $250K. See all Idaho home prices.
Other prices in Idaho
Frequently asked questions
What is the mortgage on a $250K house in Idaho?
About $1,558 a month with 20% down at 7.11%: $1,345 principal and interest, $88 property tax and $125 insurance.
How much do I need to make to buy a $250K house in Idaho?
About $66,800 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $250K house in Idaho?
At Idaho's typical effective rate of 0.42%, about $1,051 a year. Rates vary by county and city — see the county pages.