Estimate your monthly payment in Idaho. Uses 2026 average home prices ($395,000), 0.69% property tax, and programs for Boise, Nampa, and Meridian.
The average home price in Idaho is approximately $395,000 in 2026. With a standard 20% down payment of $79,000, your estimated monthly principal and interest on a 30-year loan at 6.8% would be around $2,060. Adding Idaho's 0.69% property tax and homeowner's insurance brings your total estimated monthly PITI to roughly $2,452.
Key markets include Boise, Nampa, and Meridian, each with varying price points. A 15-year loan at 6.3% would run approximately $2,718/month in P&I — higher payments but roughly half the lifetime interest cost. Adjust the sliders above to see how rate and term changes affect your payment instantly.
Idaho offers the IHFA First Loan for qualifying buyers. These programs typically provide down payment assistance, below-market interest rates, or both. Contact your state housing finance agency to check current income and purchase-price limits.
2026 Rate Tip: 30-year fixed rates average 6.5–7.5% in 2026. Even 0.25% lower saves roughly $23,700 over the loan's life. Get quotes from at least 3–5 lenders.
The average home price in Idaho is approximately $395,000 in 2026. Boise and Nampa tend to have higher prices than rural areas of the state.
Idaho's effective property tax rate is approximately 0.69%, which equals about $2,726/year or $227/month on a $395,000 home.
IHFA First Loan is available to qualifying buyers in Idaho and offers down payment assistance and/or below-market rates. Contact your state housing finance agency for details.