Idaho (ID) · West Real Estate Profile
Idaho Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Idaho. In Idaho, the effective statewide property tax rate averages 0.63% and homeowners insurance averages 0.40% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.63%
Homeowners Insurance0.40%
Median Home Price$440,000
Conforming Loan Limit$766,550
Property Tax Context for Idaho: At 0.63%, a median-priced home of $440,000 pays roughly $2,772 per year in property taxes ($231/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Idaho Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Idaho residents.
Monthly Payment Benchmarks in Idaho (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | ID Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $98/mo | $1,109/mo | $48,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $164/mo | $1,848/mo | $79,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $230/mo | $2,588/mo | $111,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $295/mo | $3,327/mo | $143,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $361/mo | $4,066/mo | $174,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $492/mo | $5,545/mo | $238,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $656/mo | $7,394/mo | $317,000/yr | View schedule → |
Browse all 25 loan amounts in Idaho
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in ID$739/mo$150k in ID$1,109/mo$200k in ID$1,479/mo$250k in ID$1,848/mo$300k in ID$2,218/mo$350k in ID$2,588/mo$400k in ID$2,957/mo$450k in ID$3,327/mo$500k in ID$3,697/mo$550k in ID$4,066/mo$600k in ID$4,436/mo$650k in ID$4,806/mo$700k in ID$5,176/mo$750k in ID$5,545/mo$800k in ID$5,915/mo$850k in ID$6,285/mo$900k in ID$6,654/mo$950k in ID$7,024/mo$1 million in ID$7,394/mo$1.1 million in ID$8,133/mo$1.2 million in ID$8,872/mo$1.3 million in ID$9,612/mo$1.4 million in ID$10,351/mo$1.5 million in ID$11,090/mo$2 million in ID$14,787/mo
Explore neighboring West states
Compare mortgage payment benchmarks and property taxes across neighboring West jurisdictions:
Alaska (1.18% tax)View guide →Arizona (0.60% tax)View guide →California (0.73% tax)View guide →Colorado (0.55% tax)View guide →Hawaii (0.31% tax)View guide →Montana (0.74% tax)View guide →
Closing Costs & Transfer Tax in Idaho
Idaho does not levy any state or local real estate deed transfer tax.