Idaho Mortgage Calculator
Idaho has the 7th-lowest effective property tax rate of the 50 states at 0.50% — $1,964 less a year than the 0.91% state average on a $479,000 home. Homeowners insurance averages $2,240 a year, the 23rd-lowest premium nationally and $480 less than the typical state.
Most Idaho counties use the $832,750 conforming loan limit for 2026, but 1 high-cost county — Teton County ($1,249,125) — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $479,000 home, property tax and insurance add $386 a month in Idaho, compared with $343 in Utah, $347 in Nevada, $384 in Wyoming, $445 in Washington, $454 in Oregon, $511 in Montana.
Loan Parameters
Total Monthly Payment
$3,522
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$604,551
Total Cost
$1,200,567
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $34,522 | $4,354 | $30,168 | $3,104 | $426,746 | $52,254 |
| Year 2 | $34,522 | $4,670 | $29,852 | $3,104 | $422,076 | $56,924 |
| Year 3 | $34,522 | $5,009 | $29,513 | $3,104 | $417,067 | $61,933 |
| Year 4 | $34,522 | $5,373 | $29,149 | $3,104 | $411,694 | $67,306 |
| Year 5 | $34,522 | $5,763 | $28,759 | $3,104 | $405,931 | $73,069 |
| Year 6 | $34,522 | $6,181 | $28,340 | $3,104 | $399,750 | $79,250 |
| Year 7 | $34,522 | $6,630 | $27,891 | $3,104 | $393,119 | $85,881 |
| Year 8 | $34,522 | $7,112 | $27,410 | $3,104 | $386,008 | $92,992 |
| Year 9 | $34,522 | $7,628 | $26,894 | $1,035 | $378,380 | $100,620 |
| Year 10 | $34,522 | $8,182 | $26,340 | — | $370,198 | $108,802 |
| Year 11 | $34,522 | $8,776 | $25,746 | — | $361,422 | $117,578 |
| Year 12 | $34,522 | $9,413 | $25,108 | — | $352,009 | $126,991 |
| Year 13 | $34,522 | $10,097 | $24,425 | — | $341,912 | $137,088 |
| Year 14 | $34,522 | $10,830 | $23,692 | — | $331,082 | $147,918 |
| Year 15 | $34,522 | $11,616 | $22,906 | — | $319,466 | $159,534 |
| Year 16 | $34,522 | $12,460 | $22,062 | — | $307,006 | $171,994 |
| Year 17 | $34,522 | $13,364 | $21,157 | — | $293,642 | $185,358 |
| Year 18 | $34,522 | $14,335 | $20,187 | — | $279,307 | $199,693 |
| Year 19 | $34,522 | $15,376 | $19,146 | — | $263,931 | $215,069 |
| Year 20 | $34,522 | $16,492 | $18,030 | — | $247,439 | $231,561 |
| Year 21 | $34,522 | $17,689 | $16,832 | — | $229,750 | $249,250 |
| Year 22 | $34,522 | $18,974 | $15,548 | — | $210,776 | $268,224 |
| Year 23 | $34,522 | $20,352 | $14,170 | — | $190,424 | $288,576 |
| Year 24 | $34,522 | $21,829 | $12,692 | — | $168,595 | $310,405 |
| Year 25 | $34,522 | $23,414 | $11,107 | — | $145,181 | $333,819 |
| Year 26 | $34,522 | $25,114 | $9,407 | — | $120,066 | $358,934 |
| Year 27 | $34,522 | $26,938 | $7,584 | — | $93,128 | $385,872 |
| Year 28 | $34,522 | $28,894 | $5,628 | — | $64,234 | $414,766 |
| Year 29 | $34,522 | $30,992 | $3,530 | — | $33,242 | $445,758 |
| Year 30 | $34,522 | $33,242 | $1,279 | — | $0 | $479,000 |
Idaho mortgage data
- Typical home value
- $478,744
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 0.50%
- $2,395/yr on a $479,000 home
- Average homeowners insurance
- $2,240/yr
- $187/mo
- 2026 conforming loan limit
- $832,750 – $1,249,125
- 44 counties
- High-cost counties
- 1
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $541,287 – $1,249,125
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Idaho?
Highest price where principal, interest, Idaho property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $140,000 | $14,000 | 29% |
| $75,000 | $1,750 | $224,000 | $22,400 | 47% |
| $100,000 | $2,333 | $308,000 | $30,800 | 64% |
| $125,000 | $2,917 | $392,000 | $39,200 | 82% |
| $150,000 | $3,500 | $475,000 | $47,500 | 99% |
| $200,000 | $4,667 | $643,000 | $64,300 | 134% |
| $250,000 | $5,833 | $811,000 | $81,100 | 169% |
Idaho mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Idaho property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,266 | $55,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,446 | $62,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,625 | $70,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,805 | $78,000 | Conforming |
| $250,000 mortgage | $1,668 | $1,985 | $86,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,165 | $93,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,345 | $101,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,525 | $109,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,705 | $116,000 | Conforming |
| $375,000 mortgage | $2,502 | $2,884 | $124,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,064 | $132,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,244 | $140,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,424 | $147,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,604 | $155,000 | Conforming |
| $500,000 mortgage | $3,337 | $3,784 | $163,000 | Conforming |
| $525,000 mortgage | $3,503 | $3,964 | $170,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,143 | $178,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,323 | $186,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,503 | $193,000 | Conforming |
| $625,000 mortgage | $4,171 | $4,683 | $201,000 | Conforming |
| $650,000 mortgage | $4,338 | $4,863 | $209,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,043 | $217,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,222 | $224,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,402 | $232,000 | Conforming |
| $750,000 mortgage | $5,005 | $5,582 | $240,000 | Conforming |
| $775,000 mortgage | $5,172 | $5,762 | $247,000 | Conforming |
| $800,000 mortgage | $5,339 | $5,942 | $255,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,122 | $263,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,302 | $271,000 | Jumbo in most counties |
| $875,000 mortgage | $5,839 | $6,481 | $278,000 | Jumbo in most counties |
| $900,000 mortgage | $6,006 | $6,661 | $286,000 | Jumbo in most counties |
| $925,000 mortgage | $6,173 | $6,841 | $294,000 | Jumbo in most counties |
| $950,000 mortgage | $6,340 | $7,021 | $301,000 | Jumbo in most counties |
| $975,000 mortgage | $6,506 | $7,201 | $309,000 | Jumbo in most counties |
| $1,000,000 mortgage | $6,673 | $7,381 | $317,000 | Jumbo in most counties |
| $1,100,000 mortgage | $7,341 | $8,100 | $348,000 | Jumbo in most counties |
| $1,200,000 mortgage | $8,008 | $8,819 | $378,000 | Jumbo in most counties |
| $1,300,000 mortgage | $8,675 | $9,539 | $409,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $10,258 | $440,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $10,978 | $471,000 | Jumbo |
Loan programs compared in Idaho
$479,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $47,900 | $431,100 | — | $259 PMI | $3,522 | 7.488% |
| FHA | 3.5% · $16,765 | $470,324 | UFMIP $8,089 | $215 MIP | $3,739 | 7.761% |
| VA | 0% · $0 | $489,299 | Funding fee $10,299 | $0 | $3,651 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $95,800 | $383,200 | — | $0 | $2,943 | 7.030% |
Idaho high-cost counties (2026)
1 county has a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Teton County$1,249,125
Frequently asked questions
What is the monthly mortgage payment on a $479,000 home in Idaho?
$479,000 is the typical Idaho home value. With 10% down on a conventional loan, the estimated payment is $3,522 per month ($2,877 principal & interest, $200 property tax, $187 insurance, $259 PMI) at 7.03% for 30 years, including Idaho's 0.50% effective property tax rate.
What is the 2026 conforming loan limit in Idaho?
$832,750 in most counties and up to $1,249,125 in 1 high-cost county, including Teton County.
How much income do I need for a $479,000 home in Idaho?
About $151,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Idaho on a $100,000 salary?
About $308,000 with 10% down, keeping the payment (including Idaho property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Idaho home ($478,744) needs roughly $151,000 a year.
Explore related calculators
Idaho calculators by loan type
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.