Back to home affordability calculator Refinance break-even

State: Idaho

Idaho Home Affordability Calculator 2026

Low Property Tax State— only 0.6% effective rate

How much house can you afford in Idaho? With a 0.6% effective property tax (median home: $$2,280/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$374,309

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$187

Median Home

$380,000

Annual Tax

$2,280

Effective Rate

0.6%

Monthly Tax

$190/mo

Idaho Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$224,585	$1400	$44,917	$1194	$112
$80,000	$299,447	$1867	$59,889	$1592	$150
$100,000	$374,309	$2333	$74,862	$1990	$187
$120,000	$449,170	$2800	$89,834	$2388	$225
$150,000	$561,463	$3500	$112,293	$2985	$281
$200,000	$748,617	$4667	$149,723	$3980	$374

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.6% Idaho property tax.

Ready to run your own numbers?

Use our full Idaho home affordability calculator with custom down payment, interest rate, and DTI inputs.

Open Full Calculator

Frequently Asked Questions — Idaho

What is the property tax rate in Idaho?: Idaho has an effective property tax rate of 0.6%. On the median home value of $380,000, that works out to approximately $2,280 per year ($190/month) in property taxes.
How much house can I afford on $100K in Idaho?: On a $100,000 annual income in Idaho, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and Idaho's 0.6% property tax, you can afford approximately $374,309 — with monthly principal & interest of $1990 plus $187/month in property taxes.
How does Idaho's property tax affect home affordability?: Idaho's low property tax rate of 0.6% is a significant advantage for home buyers. Lower property taxes reduce your monthly PITI payment, allowing you to qualify for a higher home price at any given income level compared to high-tax states like New Jersey (2.49%) or Illinois (2.27%).
What's included in a mortgage PITI payment?: PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.

All States

Home Affordability

Compare every state's property tax

Idaho

Paycheck Calculator

See take-home pay after taxes

Mortgage

Refinance Break-Even

Should you refinance your mortgage?

Loading Legacy

Idaho Home Affordability Calculator 2026

Low Property Tax State— only 0.6% effective rate

How much house can you afford in Idaho? With a 0.6% effective property tax (median home: $$2,280/yr), see max home prices using the 28% PITI rule and a 6.99% 30-year mortgage.

Max Home Price ($100K Income)

$374,309

20% down · 6.99% rate · 28% DTI

Monthly PITI

$2333

Prop Tax/mo

$187

Median Home

$380,000

Annual Tax

$2,280

Effective Rate

0.6%

Monthly Tax

$190/mo

Idaho Max Home Price by Income (28% DTI Rule)

Income	Max Home Price	Monthly PITI	Down (20%)	Monthly PI	Prop Tax/mo
$60,000	$224,585	$1400	$44,917	$1194	$112
$80,000	$299,447	$1867	$59,889	$1592	$150
$100,000	$374,309	$2333	$74,862	$1990	$187
$120,000	$449,170	$2800	$89,834	$2388	$225
$150,000	$561,463	$3500	$112,293	$2985	$281
$200,000	$748,617	$4667	$149,723	$3980	$374

Assumes 20% down payment, 6.99% 30-year fixed mortgage rate, 0.5% homeowners insurance, 0.6% Idaho property tax.

Frequently Asked Questions — Idaho

What is the property tax rate in Idaho?

Idaho has an effective property tax rate of 0.6%. On the median home value of $380,000, that works out to approximately $2,280 per year ($190/month) in property taxes.

How much house can I afford on $100K in Idaho?

On a $100,000 annual income in Idaho, the 28% front-end DTI rule allows a maximum monthly PITI of approximately $2333. With a 20% down payment, a 6.99% 30-year mortgage, and Idaho's 0.6% property tax, you can afford approximately $374,309 — with monthly principal & interest of $1990 plus $187/month in property taxes.

How does Idaho's property tax affect home affordability?

Idaho's low property tax rate of 0.6% is a significant advantage for home buyers. Lower property taxes reduce your monthly PITI payment, allowing you to qualify for a higher home price at any given income level compared to high-tax states like New Jersey (2.49%) or Illinois (2.27%).

What's included in a mortgage PITI payment?

PITI stands for Principal, Interest, Taxes, and Insurance. Principal and interest are your mortgage payments that pay down the loan. Taxes refers to annual property taxes (divided into monthly escrow). Insurance includes homeowners insurance (typically 0.5% of home value/year) and any required mortgage insurance (PMI) if your down payment is less than 20%. Lenders generally want PITI to be no more than 28% of your gross monthly income.