What is the average home price in Idaho?
Around $420,000 in 2026.
Idaho Mortgage Calculator 2026
Idaho has experienced significant home price growth with averages around $420,000 in 2026, particularly in the Boise metro area.
Current Rates (Freddie Mac PMMS)
30-Year Fixed: 15-Year Fixed: Rates verified Oct 21, 2026
Adjust values — results update instantly.
State: Idaho (median-style home price, tax, and insurance pre-filled — edit as needed)
Illustrative property tax and insurance — Ada County and rural counties differ. Not a loan offer.
Dollar amount. PMI applies when under 20% of home price.
PMI is estimated at 0.5% of the loan amount per year when your down payment is below 20% of the purchase price.
Total monthly payment
$2,546
Principal & interest
$2,179Property tax
$242Home insurance
$125Loan amount$336,000
Down payment$84,000 (20.0%)
Total interest (life)$448,544
Total cost$784,544
Frequently Asked Questions
Does Idaho have a transfer tax?
No state transfer tax.
What is Idaho state income tax?
Flat 5.695% rate.
How much do I need to earn to afford a home in Idaho?
Approximately $80,000–$90,000 annually for the average ID home.
Related calculators
Educational estimates only. Not a lender pre-approval.