Calculate your monthly mortgage payment in Idaho. Pre-filled with Idaho's median home price of $420,000 and an average property tax rate of 0.69%.
Est. Monthly Payment
$2,884
Principal & Interest
$2,467
Property Tax / mo
$242
Total Interest Paid
$510,046
| Home Price | $420,000 | Median home price in Idaho (2025) |
| Down Payment | 10% ($42,000) | Typical down payment percentage |
| Loan Amount | $378,000 | Home price minus down payment |
| Interest Rate | 6.81% | Approximate 30-year fixed rate (2025 avg) |
| Loan Term | 30 years | Most common mortgage term |
| Property Tax | 0.69% / year | Idaho average effective rate |
| Home Insurance | 0.5% / year | Approximate annual premium |
IHFA First Loan, Govt Loan programs
Cost of living: Moderate · Population: 1,839,106
Idaho has a median home price of approximately $420,000, placing it above the national median. With a 10% down payment of $42,000, a typical buyer would finance $378,000 over 30 years. At a 6.81% fixed rate, the monthly principal and interest payment comes to $2,467.
Property taxes in Idaho average 0.69% of the assessed home value annually — one of the lower rates in the country. Combined with an estimated $175 for homeowners insurance, your all-in monthly housing cost is approximately $2,884.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $123,591 to qualify comfortably. The median household income in Idaho is $60,999.
