Idaho Mortgage Calculator
Calculate your mortgage payment in Idaho. Pre-filled with ID median home price ($420,000), property tax rate (0.63%), and local insurance costs.
Idaho at a Glance
$420,000
Median Home Price
0.63%
Property Tax Rate
$1,400
Avg Home Insurance
$472,030
FHA Loan Limit
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Reviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. State-specific data is sourced from official government publications.
Mortgage Calculator in Idaho
The median home price in Idaho is $420,000, which is 0% above the national average of $420,000. Idaho's effective property tax rate of 0.63% is 0.47 percentage points lower than the national average of 1.1%.
| Metric | Idaho (ID) | National Avg | vs National Average |
|---|---|---|---|
| Median Home Price | $420,000 | $420,000 | +0% |
| Property Tax Rate | 0.63% | 1.1% | -0.47% |
| Home Insurance (Annual) | $1,400 | $2,300 | -39% |
| State Sales Tax | 6% | 5% | +1.0% |
| FHA Loan Limit | $472,030 | $472,030 | Standard |
| Conforming Loan Limit | $766,550 | $766,550 | Standard |
Idaho offers a homestead exemption of $125,000, which reduces the taxable value of your primary residence. The state uses an assessment ratio of 100% to determine the assessed value for property tax purposes.
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