FHA Loan Calculator — Idaho
On the typical Idaho home ($479,000), 3.5% down leaves a $462,235 base loan. The 1.75% upfront premium ($8,089) is financed, for a $470,324 loan, and annual MIP of 0.55% adds $215 a month for the life of the loan. Idaho FHA limits run $541,287–$1,249,125 by county.
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
$3,739
Principal & Interest + Taxes + Insurance
APR 7.761%
Total Interest
$659,557
Total Cost
$1,320,532
Advanced Parameters
FHA Mortgage Insurance Premium (MIP)
Annual MIP of 0.55% is billed monthly on the average balance of each loan year. With less than 10% down it lasts for the life of the loan; with 10% or more down it ends after 11 years. A 1.75% upfront premium is also added to the loan.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Full term
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | MIP | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $37,663 | $4,750 | $32,913 | $2,575 | $465,574 | $13,426 |
| Year 2 | $37,663 | $5,095 | $32,568 | $2,548 | $460,479 | $18,521 |
| Year 3 | $37,663 | $5,465 | $32,198 | $2,519 | $455,014 | $23,986 |
| Year 4 | $37,663 | $5,862 | $31,801 | $2,488 | $449,153 | $29,847 |
| Year 5 | $37,663 | $6,287 | $31,375 | $2,455 | $442,865 | $36,135 |
| Year 6 | $37,663 | $6,744 | $30,919 | $2,419 | $436,121 | $42,879 |
| Year 7 | $37,663 | $7,234 | $30,429 | $2,381 | $428,888 | $50,112 |
| Year 8 | $37,663 | $7,759 | $29,904 | $2,340 | $421,129 | $57,871 |
| Year 9 | $37,663 | $8,322 | $29,341 | $2,295 | $412,807 | $66,193 |
| Year 10 | $37,663 | $8,926 | $28,736 | $2,248 | $403,881 | $75,119 |
| Year 11 | $37,663 | $9,575 | $28,088 | $2,198 | $394,306 | $84,694 |
| Year 12 | $37,663 | $10,270 | $27,393 | $2,143 | $384,036 | $94,964 |
| Year 13 | $37,663 | $11,015 | $26,647 | $2,085 | $373,021 | $105,979 |
| Year 14 | $37,663 | $11,815 | $25,848 | $2,022 | $361,206 | $117,794 |
| Year 15 | $37,663 | $12,673 | $24,990 | $1,955 | $348,533 | $130,467 |
| Year 16 | $37,663 | $13,593 | $24,069 | $1,883 | $334,939 | $144,061 |
| Year 17 | $37,663 | $14,580 | $23,082 | $1,806 | $320,359 | $158,641 |
| Year 18 | $37,663 | $15,639 | $22,024 | $1,723 | $304,720 | $174,280 |
| Year 19 | $37,663 | $16,775 | $20,888 | $1,634 | $287,946 | $191,054 |
| Year 20 | $37,663 | $17,993 | $19,670 | $1,539 | $269,953 | $209,047 |
| Year 21 | $37,663 | $19,299 | $18,364 | $1,437 | $250,654 | $228,346 |
| Year 22 | $37,663 | $20,700 | $16,962 | $1,327 | $229,954 | $249,046 |
| Year 23 | $37,663 | $22,203 | $15,459 | $1,209 | $207,750 | $271,250 |
| Year 24 | $37,663 | $23,816 | $13,847 | $1,083 | $183,935 | $295,065 |
| Year 25 | $37,663 | $25,545 | $12,118 | $948 | $158,390 | $320,610 |
| Year 26 | $37,663 | $27,400 | $10,263 | $803 | $130,991 | $348,009 |
| Year 27 | $37,663 | $29,389 | $8,274 | $647 | $101,602 | $377,398 |
| Year 28 | $37,663 | $31,523 | $6,140 | $480 | $70,079 | $408,921 |
| Year 29 | $37,663 | $33,812 | $3,851 | $301 | $36,267 | $442,733 |
| Year 30 | $37,663 | $36,267 | $1,396 | $109 | $0 | $479,000 |
FHA Loan numbers for Idaho
- Typical Idaho home value
- $479,000
- 3.5% down ($16,765) · Zillow, August 31, 2026
- Loan amount
- $470,324
- Includes $8,089 financed UFMIP
- Estimated monthly payment
- $3,739
- APR 7.761%
- Idaho property tax
- 0.50%
- $200/mo
- Homeowners insurance
- $2,240/yr
- $187/mo
- Upfront MIP (1.75%)
- $8,089
- Financed into the loan
- Annual MIP
- 0.55%
- $215/mo in year 1 · life of loan
- Idaho FHA loan limit
- $541,287 – $1,249,125
- One-unit, by county
How much house can you afford in Idaho with an fha loan?
Highest price where principal, interest, Idaho property tax, insurance and FHA mortgage insurance (1.75% upfront premium financed, 0.55% annual MIP) stay within 28% of gross income —3.5% 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 |
|---|---|---|---|---|
| $40,000 | $933 | $100,000 | $3,500 | 21% |
| $50,000 | $1,167 | $132,000 | $4,620 | 28% |
| $60,000 | $1,400 | $163,000 | $5,705 | 34% |
| $75,000 | $1,750 | $210,000 | $7,350 | 44% |
| $100,000 | $2,333 | $289,000 | $10,115 | 60% |
| $125,000 | $2,917 | $367,000 | $12,845 | 77% |
| $150,000 | $3,500 | $446,000 | $15,610 | 93% |
FHA 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% |
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 payment on a $479,000 home with an fha loan in Idaho?
Estimated $3,739 per month ($3,139 principal & interest, $200 property tax, $187 insurance, $215 FHA mortgage insurance) at 7.03% for 30 years, with 3.5% down. APR 7.761%.
What is the FHA loan limit in Idaho for 2026?
Between $541,287 and $1,249,125 depending on the county for a one-unit home. $541,287 is the national FHA floor; counties with higher home prices get higher limits. Check your exact county on HUD's FHA mortgage limits lookup.
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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
- HUD Mortgagee Letter 2023-05 (annual MIP schedule)
- HUD — FHA single family housing policy handbook 4000.1
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.