Idaho Mortgage Calculator
Calculate your monthly mortgage payments in Idaho with our free calculator. Includes local property tax rates and insurance estimates.
ID Mortgage Calculator
Calculate monthly payments for Idaho properties
$60000.00
$2070.00 per year
$1050.00 per year
Payment Summary
Principal & Interest$1516.96
Property Tax$172.50
Home Insurance$87.50
Total Monthly Payment$1776.96
Loan Amount$240000.00
Total Interest$306106.77
Total Loan Payment$546106.77
Payoff Date1/21/2055
Idaho Quick Facts
- Average Property Tax Rate:
- 0.69%
- Average Home Insurance Rate:
- 0.35%
First-Time Home Buyer Programs in ID
Idaho offers several programs for first-time home buyers:
- Idaho Housing First Loan Program
- Finally Home! Program
- Good Credit Rewards
- Down Payment and Closing Cost Assistance
Idaho Property Tax Rates by County
| County | Tax Rate | Median Home Value |
|---|---|---|
| Ada County | 0.71% | $425,000 |
| Canyon County | 0.65% | $350,000 |
| Kootenai County | 0.63% | $475,000 |
| Bonneville County | 0.68% | $285,000 |
| Twin Falls County | 0.72% | $265,000 |
| Bannock County | 0.75% | $225,000 |
| Madison County | 0.67% | $315,000 |
| Bingham County | 0.70% | $215,000 |
| Bonner County | 0.61% | $425,000 |
| Nez Perce County | 0.73% | $255,000 |
Idaho Mortgage Guide
Key considerations for Idaho mortgages:
- Property tax rates are below national average
- Rapidly growing housing market
- Various property tax exemptions available
- Strong first-time buyer programs
Related Resources
State Housing Resources
- Official Idaho Housing Authority
- State Property Tax Information
- First-Time Homebuyer Programs
Additional Calculators
- Property Tax Calculator
- Home Insurance Calculator
- Refinance Calculator
Data sources: State property tax records, county assessor offices, and local real estate data.
Last updated: 1/21/2025