🏦 Mortgage Calculators Idaho

How Much House Can I Afford in Idaho?

Find out how much house you can afford in Idaho with 0.69% property tax. Uses 28/36 rule with Idaho-specific data.

Free — No Sign-up Verified Data Editorially Reviewed Updated Feb 2026

Idaho Quick Facts

5.8% Income Tax Rate

0.69% Property Tax Rate

$63,377 Median Income

97.7 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Calculates home affordability in Idaho using the 28/36 rule. Maximum 28% of gross monthly income for housing (PITI). Includes Idaho's effective property tax rate of 0.69% and average home insurance of $1,380/year. Median home price in Idaho: $420,000.

Key State Information

Idaho housing market: Median home price $420,000 | Property tax rate 0.69% | Avg home insurance $1,380/yr | Median household income $63,377. Homes are expensive relative to income.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Zillow, Tax Foundation

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

How much house can I afford on the median income in Idaho?

With Idaho's median household income of $63,377 and a 10% down payment, you can typically afford a home priced around $221,820-$285,197 depending on debts and interest rates. The median home in Idaho costs $420,000.

What is the property tax rate in Idaho?

Idaho's effective property tax rate is 0.69%. On a $420,000 home, that's approximately $2,898/year or $242/month.