Mortgage on a $600K house in Idaho
$3,739 a month with 20% down — $3,229 principal and interest plus $210 property tax and $300 insurance.
Idaho's typical property tax is 0.42% of the home's value a year (U.S. average 0.9%), which adds $210 a month on a $600K home. The typical home in Idaho is worth $476,754, so $600K is 26% above the typical price.
$600K home in Idaho: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $120,000 | $480,000 | $3,229 | $0 | $510 | $3,739 | $160,200 |
| 10% down | $60,000 | $540,000 | $3,633 | $225 | $510 | $4,368 | $187,200 |
| 5% down | $30,000 | $570,000 | $3,834 | $238 | $510 | $4,582 | $196,400 |
| 3.5% down (FHA) | $21,000 | $589,133 | $3,963 | $265 | $510 | $4,739 | $203,100 |
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 $600K buy a typical home?
In these counties the typical home value is within 15% of $600K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Kootenai County | $606,179 | 0.44% | $3,748 |
| Bonner County | $659,993 | 0.38% | $3,718 |
| Ada County | $525,709 | 0.52% | $3,788 |
| Valley County | $683,380 | 0.3% | $3,678 |
| Adams County | $510,933 | 0.36% | $3,709 |
38 of 43 Idaho counties tracked by Zillow have a typical home value at or below $600K. See all Idaho home prices.
Other prices in Idaho
Frequently asked questions
What is the mortgage on a $600K house in Idaho?
About $3,739 a month with 20% down at 7.11%: $3,229 principal and interest, $210 property tax and $300 insurance.
How much do I need to make to buy a $600K house in Idaho?
About $160,200 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $600K house in Idaho?
At Idaho's typical effective rate of 0.42%, about $2,522 a year. Rates vary by county and city — see the county pages.