Conventional Loan Calculator — Idaho
In Idaho, one-unit loans up to $832,750–$1,249,125 are conforming. With 10% down on the typical $479,000 home, the $431,100 loan carries estimated PMI of 0.72% ($259/mo), which drops off after about 9 years once the balance reaches 80% of the price.
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.
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 |
Conventional Loan numbers for Idaho
- Typical Idaho home value
- $479,000
- 10% down ($47,900) · Zillow, August 31, 2026
- Loan amount
- $431,100
- conforming in all 44 Idaho counties
- Estimated monthly payment
- $3,522
- APR 7.488%
- Idaho property tax
- 0.50%
- $200/mo
- Homeowners insurance
- $2,240/yr
- $187/mo
- Idaho conforming limit
- $832,750 – $1,249,125
- Above this, the loan is jumbo
- PMI
- 0.72% · $259/mo
- Drops off after 9 years
How much house can you afford in Idaho with a conventional loan?
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% |
Conventional vs other loan types 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% |
Frequently asked questions
What is the monthly payment on a $479,000 home with a conventional loan in Idaho?
Estimated $3,522 per month ($2,877 principal & interest, $200 property tax, $187 insurance, $259 PMI) at 7.03% for 30 years, with 10% down. APR 7.488%.
How much is PMI on a Idaho conventional loan?
At 90% loan-to-value, PMI is estimated at 0.72% a year ($259/mo). It can be removed once the balance reaches 80% of the home's original value.
Explore related calculators
Conventional Loan calculator in nearby states
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
- 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
- CFPB — What is private mortgage insurance?
- Homeowners Protection Act (PMI cancellation at 78–80% LTV)
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.