Mortgage on a $800K house in Idaho
$4,986 a month with 20% down — $4,305 principal and interest plus $280 property tax and $400 insurance.
Idaho's typical property tax is 0.42% of the home's value a year (U.S. average 0.9%), which adds $280 a month on a $800K home. The typical home in Idaho is worth $476,754, so $800K is 68% above the typical price.
$800K home in Idaho: payment by down payment
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $160,000 | $640,000 | $4,305 | $0 | $680 | $4,986 | $213,700 |
| 10% down | $80,000 | $720,000 | $4,843 | $300 | $680 | $5,824 | $249,600 |
| 5% down | $40,000 | $760,000 | $5,113 | $317 | $680 | $6,109 | $261,800 |
| 3.5% down (FHA) | $28,000 | $785,510 | $5,284 | $354 | $680 | $6,318 | $270,800 |
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 $800K buy a typical home?
In these counties the typical home value is within 15% of $800K:
| County | Typical home | Tax rate | Total / month |
|---|---|---|---|
| Teton County | $873,202 | 0.31% | $4,912 |
| Valley County | $683,380 | 0.3% | $4,905 |
41 of 43 Idaho counties tracked by Zillow have a typical home value at or below $800K. See all Idaho home prices.
Other prices in Idaho
Frequently asked questions
What is the mortgage on a $800K house in Idaho?
About $4,986 a month with 20% down at 7.11%: $4,305 principal and interest, $280 property tax and $400 insurance.
How much do I need to make to buy a $800K house in Idaho?
About $213,700 a year, so that the payment stays under 28% of your gross income.
What is the property tax on a $800K house in Idaho?
At Idaho's typical effective rate of 0.42%, about $3,362 a year. Rates vary by county and city — see the county pages.