Calculate Your Idaho Mortgage Payment
Our calculator is pre-filled with Idaho's median home price and property tax rate. Adjust the numbers to match your situation.
Open Calculator with ID DefaultsMonthly Payment Breakdown for Idaho
Here's what your monthly payment looks like on the median Idaho home ($482,199) with 20% down at 6.67%, the current average 30-year rate:
Note: This estimate assumes 20% down payment ($96,440), no PMI. With less than 20% down, add $161-$321/month for PMI.
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Idaho Property Taxes
Idaho's effective property tax rate is 0.48%, which is below the national average of 0.89%. See how property taxes are calculated and how they compare across states.
Annual Property Tax on $482,199 Home
$2,315
($193/month escrowed)
Buying a Home in Idaho: Key Facts
- Property tax rate of 0.48% is below national average
- Boise metro saw significant price appreciation from out-of-state migration
- Idaho Housing programs can be combined with federal FHA/VA/USDA loans
- No inventory tax and low property taxes attract businesses
Mortgage Calculators for Nearby States
Comparing homes across state lines? Check property taxes and home prices in neighboring states:
Idaho First-Time Homebuyer Programs
Idaho has 25 homebuyer assistance programs that can help with down payment and closing costs.
Idaho Housing First Loan
30-year fixed rate with up to 4% down payment assistance
Deferred LoanIdaho Housing Second Loan
Up to $10,000 at 0% interest, no monthly payments
Deferred LoanIdaho Heroes Program
0.25% rate discount for teachers, veterans, first responders
Interest Rate ReductionEligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.
Major Cities in Idaho
Home prices and property taxes can vary significantly by city. The median home value of $482,199 is a statewide estimate.
Idaho Mortgage FAQ
What is the property tax rate in Idaho?
The average effective property tax rate in Idaho is 0.48%. On a $482,199 home, that's approximately $2,315 per year or $193 per month added to your mortgage payment.
What is the median home value in Idaho?
The median home value in Idaho is $482,199 as of 2026-06-01. Prices vary by location - Boise and Meridian typically have higher prices than rural areas.
Are there first-time homebuyer programs in Idaho?
Yes, Idaho has 25 homebuyer assistance programs. Popular options include Idaho Housing First Loan, which offers 30-year fixed rate with up to 4% down payment assistance.
How much do I need to buy a house in Idaho?
For the median Idaho home ($482,199), you'd need $96,440 for a 20% down payment, plus $14,466-$24,110 for closing costs. With down payment assistance, you could potentially buy with as little as $16,877 (3.5% FHA down payment).
Ready to Calculate?
Use our free mortgage calculator with Idaho property taxes pre-filled.
Calculate Your ID Mortgage Payment