Cost of Ownership · Idaho

The true cost of owning a home in Idaho

For a median $376,000 home in Idaho, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.

As of Jul 5, 2026Methodology true-cost-v3

Lender-approved payment

$2,515/mo

PITI + PMI

True monthly cost

$2,828/mo

everything, incl. upkeep

The gap

+$313/mo

what approval leaves out

Principal & interest$2,123/mo

Property tax$167/mo

Homeowners insurance$84/mo

PMI (LTV > 80%)$141/mo

Maintenance reserve$313/mo

True monthly cost$2,828/mo

Effective property-tax rate

0.53%

Avg. homeowners premium

$1,002/yr

NFIP flood claims on record

1,113

These figures use Idaho’s median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Idaho ranks on property tax and insurance, or browse every state.