Idaho mortgage calculator
Estimate your monthly mortgage payment for a home in Idaho, United States. Adjust the home price, down payment, rate, and term below for an instant breakdown. The calculator starts with the Idaho average effective property-tax rate of 0.5% (among the lower in the U.S.), though your county rate may differ.
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Idaho mortgage inputs
Enter your gross monthly income above to see an affordability read (based on the standard 28% front-end DTI guideline).
Loan amount: $320,000
Default rate (6.55%, 30-year fixed) is the United States national average as of 2026-07-16 — edit it to match your own quote.
How much is a monthly mortgage payment in Idaho?
Here's a worked example for Idaho. On a $400,000 home with 20% down ($80,000), you'd borrow $320,000. At a 6.55% 30-year fixed rate — the current U.S. national average — the principal and interest come to about $2,033 per month. Adding Idaho's average effective property tax of 0.5% ($2,000 a year, or $167 a month) brings the core housing cost to roughly $2,200 per month, before home insurance and any HOA dues. Enter your own price, down payment, and rate in the calculator above to get your exact number.
Property taxes in Idaho
Idaho's average effective property-tax rate is 0.5%, which is below the U.S. average of 0.90% and ranks among the lower of all states. On the $400,000 example home that's $2,000 per year. Rates are set locally, so your actual county or city rate can differ — check your county assessor's site and adjust the property-tax field above to match.
The levers that move this number — deposit size and PMI, rate shopping, insurance, HOA dues — work the same way everywhere. We cover them properly in how mortgage payments work and down payment & PMI rather than repeating them on every state page.
How much house can you afford in Idaho?
Applying the 28% affordability guideline at a 6.55% 30-year fixed rate with 20% down, against Idaho's 0.5% average property-tax rate:
| Gross annual income | Max monthly payment (28%) | Est. affordable home price |
|---|---|---|
| $75,000 | $1,750 | $318,000 |
| $100,000 | $2,333 | $424,000 |
| $150,000 | $3,500 | $636,000 |
| $200,000 | $4,667 | $849,000 |
Illustrative only — excludes insurance, HOA, and your other monthly debts. Enter your own income above for a personalised read.
Conforming loan limits in Idaho — when you cross into jumbo
Limits are set county by county, not state by state. For 2026 the national baseline is $832,750; above your county's limit you're into jumbo territory.
43 of Idaho's 44 counties sit at the national baseline of $832,750 — about $1,040,938 of purchase price with 20% down. Exactly one county is designated high-cost: Teton County, where the limit rises to $1,249,125. If you're buying there you can borrow meaningfully more before jumbo rules apply; everywhere else in Idaho, the baseline is your threshold.
Source: FHFA conforming loan limit values, 2026 limit values, announced 2025-11-25 (retrieved 2026-08-15). Limits are reset each November for the following year — see our methodology.
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Frequently asked questions
Is property tax the same everywhere in Idaho?
No — property tax rates vary by county and even by city within Idaho. The calculator starts from Idaho's statewide average effective rate of 0.5%, so check your local assessor's site for your exact county rate and adjust the field to match.
What's the conforming loan limit in Idaho?
Most of Idaho uses the 2026 national baseline of $832,750, but Teton County is designated high-cost and runs to $1,249,125. Which county the property sits in decides your threshold.