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Idaho mortgage calculator

Pre-filled for Idaho: the median home value ($445,000) and the state's effective property tax rate of 0.43%. Change anything to match your home.

Home price
Down payment$89,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$2,559.62

Loan $356,000 · 20% down

  • Principal & interest$2,250.16
  • Property tax$159.46
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$454,060
Total cost
$921,466
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 3,979, Interest 23,02312: Principal 4,246, Interest 22,7563: Principal 4,530, Interest 22,4724: Principal 4,833, Interest 22,16945: Principal 5,157, Interest 21,8456: Principal 5,502, Interest 21,5007: Principal 5,871, Interest 21,1318: Principal 6,264, Interest 20,73889: Principal 6,684, Interest 20,31810: Principal 7,131, Interest 19,87111: Principal 7,609, Interest 19,39312: Principal 8,118, Interest 18,8841213: Principal 8,662, Interest 18,34014: Principal 9,242, Interest 17,76015: Principal 9,861, Interest 17,14116: Principal 10,521, Interest 16,4801617: Principal 11,226, Interest 15,77618: Principal 11,978, Interest 15,02419: Principal 12,780, Interest 14,22220: Principal 13,636, Interest 13,3662021: Principal 14,549, Interest 12,45322: Principal 15,524, Interest 11,47823: Principal 16,563, Interest 10,43924: Principal 17,673, Interest 9,3292425: Principal 18,856, Interest 8,14626: Principal 20,119, Interest 6,88327: Principal 21,466, Interest 5,53628: Principal 22,904, Interest 4,0982829: Principal 24,438, Interest 2,56430: Principal 26,077, Interest 92730
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$3,979$23,023$352,021
2$4,246$22,756$347,775
3$4,530$22,472$343,245
4$4,833$22,169$338,412
5$5,157$21,845$333,255
Monthly payment$2,559.62

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Idaho at a glance

Effective property tax
0.43%
Rank (1 = highest)
49th of 51
Median home value
$446,400
Median tax bill
$1,912/yr

On the same $400,000 home, property tax in Idaho adds about $143.33/month, versus $296.67/month at the national rate.

Idaho mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$225,000$1,137.72$80.63$1,368.35
$325,000$1,643.38$116.46$1,909.84
$450,000$2,275.44$161.25$2,586.69
$675,000$3,413.17$241.88$3,805.05
$900,000$4,550.89$322.50$5,023.39

20% down, 6.5% 30-year fixed (example rate), 0.43% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in Idaho.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • Idaho figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in Idaho?+

The effective property tax rate in Idaho is about 0.43% of home value a year (median taxes paid $1,912 on a median home worth $446,400). That's the 49th highest of 50 states and DC, and lower than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in Idaho?+

For a $445,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $2,559.62 a month, including $159.46 of property tax and $150.00 of insurance.

How much income do I need to buy a home in Idaho?+

To afford the median Idaho home ($445,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $129,000 a year in gross income at a 6.5% rate.

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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.