Idaho home prices and mortgage costs
Typical home value $476,754 · +2.2% in a year · property tax 0.42%
Idaho ranks 13th most expensive of 51 states and D.C. Home values changed +2.2% over the past year and +5.7% over five years. Buying the typical home with 20% down costs about $2,971 a month at 7.11%, which needs a household income of about $127,300.
Cost of the typical Idaho home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $95,351 | $381,403 | $2,566 | $0 | $405 | $2,971 | $127,300 |
| 10% down | $47,675 | $429,079 | $2,886 | $179 | $405 | $3,471 | $148,700 |
| 5% down | $23,838 | $452,916 | $3,047 | $189 | $405 | $3,641 | $156,000 |
| 3.5% down (FHA) | $16,686 | $468,119 | $3,149 | $211 | $405 | $3,765 | $161,400 |
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.
Check a specific budget: how much house you can afford in Idaho by salary · payment on a $500K home in Idaho
Home prices by county in Idaho
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Blaine County | $1,101,790 | — | 0.38% | $6,827 | $292,600 |
| Teton County | $873,202 | +4.6% | 0.31% | $5,362 | $229,800 |
| Valley County | $683,380 | +3.2% | 0.3% | $4,190 | $179,600 |
| Bonner County | $659,993 | +3.4% | 0.38% | $4,090 | $175,300 |
| Kootenai County | $606,179 | +3.1% | 0.44% | $3,786 | $162,300 |
| Ada County | $525,709 | +1.6% | 0.52% | $3,319 | $142,200 |
| Adams County | $510,933 | +1.9% | 0.36% | $3,159 | $135,400 |
| Boise County | $479,858 | +2.9% | 0.34% | $2,958 | $126,800 |
| Gem County | $479,474 | +3.6% | 0.33% | $2,952 | $126,500 |
| Latah County | $475,190 | +1.3% | 0.64% | $3,049 | $130,700 |
| Fremont County | $473,183 | +6.8% | 0.44% | $2,959 | $126,800 |
| Jefferson County | $469,151 | +2.9% | 0.45% | $2,934 | $125,700 |
| Boundary County | $464,905 | +3.4% | 0.39% | $2,885 | $123,600 |
| Franklin County | $435,938 | +2.7% | 0.4% | $2,709 | $116,100 |
| Owyhee County | $433,227 | +3.4% | 0.4% | $2,692 | $115,400 |
| Madison County | $423,156 | +5.3% | 0.48% | $2,659 | $114,000 |
| Canyon County | $416,843 | +1.7% | 0.52% | $2,631 | $112,800 |
| Payette County | $412,388 | +3.8% | 0.4% | $2,562 | $109,800 |
| Bear Lake County | $402,207 | +2.8% | 0.41% | $2,502 | $107,200 |
| Jerome County | $400,477 | +3.2% | 0.63% | $2,567 | $110,000 |
| Bonneville County | $400,373 | +1.6% | 0.5% | $2,523 | $108,100 |
| Custer County | $394,611 | +10.9% | 0.29% | $2,417 | $103,600 |
| Nez Perce County | $390,046 | +2.5% | 0.78% | $2,547 | $109,200 |
| Lemhi County | $387,464 | +6.9% | 0.35% | $2,393 | $102,600 |
| Washington County | $386,307 | +2.3% | 0.49% | $2,431 | $104,200 |
| Bingham County | $384,891 | +3.6% | 0.5% | $2,425 | $103,900 |
| Twin Falls County | $380,622 | +3.3% | 0.61% | $2,433 | $104,300 |
| Camas County | $376,032 | +8.4% | 0.37% | $2,328 | $99,800 |
| Elmore County | $356,835 | +1.8% | 0.54% | $2,259 | $96,800 |
| Bannock County | $355,363 | +1.5% | 0.64% | $2,279 | $97,700 |
| Gooding County | $353,003 | +2.6% | 0.51% | $2,226 | $95,400 |
| Idaho County | $350,983 | +1.5% | 0.32% | $2,158 | $92,500 |
| Oneida County | $350,270 | +3.2% | 0.44% | $2,190 | $93,800 |
| Cassia County | $346,703 | +4.8% | 0.41% | $2,158 | $92,500 |
| Caribou County | $342,793 | +7.5% | 0.56% | $2,175 | $93,200 |
| Benewah County | $330,964 | +2.0% | 0.49% | $2,082 | $89,200 |
| Minidoka County | $321,699 | +1.5% | 0.48% | $2,021 | $86,600 |
| Lincoln County | $317,214 | +3.1% | 0.43% | $1,979 | $84,800 |
| Clearwater County | $305,690 | +3.8% | 0.54% | $1,935 | $82,900 |
| Lewis County | $286,288 | +4.0% | 0.6% | $1,826 | $78,300 |
| Shoshone County | $274,018 | -0.1% | 0.5% | $1,726 | $74,000 |
| Power County | $265,564 | +3.7% | 0.7% | $1,717 | $73,600 |
| Clark County | $251,571 | -0.2% | 0.33% | $1,549 | $66,400 |
Metro areas in Idaho
Frequently asked questions
What is the average home price in Idaho?
The typical home in Idaho is worth $476,754 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Idaho?
About $127,300 a year to buy the typical $476,754 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Idaho?
The typical effective rate is 0.42% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).