Mortgage on a $350K house in Idaho
$2,181 a month with 20% down — $1,884 principal and interest plus $123 property tax and $175 insurance.
Idaho's typical property tax is 0.42% of the home's value a year (U.S. average 0.9%), which adds $123 a month on a $350K home. The typical home in Idaho is worth $476,754, so $350K is 27% below the typical price.
$350K home in Idaho: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $70,000 | $280,000 | $1,884 | $0 | $298 | $2,181 | $93,500 |
| 10% down | $35,000 | $315,000 | $2,119 | $131 | $298 | $2,548 | $109,200 |
| 5% down | $17,500 | $332,500 | $2,237 | $139 | $298 | $2,673 | $114,600 |
| 3.5% down (FHA) | $12,250 | $343,661 | $2,312 | $155 | $298 | $2,764 | $118,500 |
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 $350K buy a typical home?
In these counties the typical home value is within 15% of $350K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Oneida County | $350,270 | 0.44% | $2,188 |
| Idaho County | $350,983 | 0.32% | $2,152 |
| Gooding County | $353,003 | 0.51% | $2,207 |
| Cassia County | $346,703 | 0.41% | $2,178 |
| Bannock County | $355,363 | 0.64% | $2,245 |
| Elmore County | $356,835 | 0.54% | $2,215 |
| Caribou County | $342,793 | 0.56% | $2,221 |
| Benewah County | $330,964 | 0.49% | $2,202 |
| Camas County | $376,032 | 0.37% | $2,167 |
| Minidoka County | $321,699 | 0.48% | $2,199 |
| Twin Falls County | $380,622 | 0.61% | $2,237 |
| Lincoln County | $317,214 | 0.43% | $2,183 |
10 of 43 Idaho counties tracked by Zillow have a typical home value at or below $350K. See all Idaho home prices.
Other prices in Idaho
Frequently asked questions
What is the mortgage on a $350K house in Idaho?
About $2,181 a month with 20% down at 7.11%: $1,884 principal and interest, $123 property tax and $175 insurance.
How much do I need to make to buy a $350K house in Idaho?
About $93,500 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $350K house in Idaho?
At Idaho's typical effective rate of 0.42%, about $1,471 a year. Rates vary by county and city — see the county pages.