Idaho Mortgage Calculator
Estimate the monthly PITI payment on a Idaho home. Preseeded with the state’s 0.56% effective property-tax rate, $950 average annual insurance, and $460,000 median home price.
Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$2,773
- Principal & Interest
- $2,326
- Property Taxes
- $215
- Home Insurance
- $79
- PMI
- $153
Total Interest
$469,364
Total Cost
$943,144
Payoff Year
2056
Idaho Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.56%
- Avg annual insurance
- $950
- Median home price
- $460,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Idaho Rules
Idaho's homeowner's exemption removes 50% of assessed value (capped at ~$125,000 in 2025) from primary residences before tax is calculated. Boise-area home prices have risen sharply since 2020; rural northern Idaho counties remain among the most affordable in the West.
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Frequently Asked Questions
- Idaho's statewide effective property-tax rate is approximately 0.56% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.