Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
Idaho mortgage costs
What a typical Idaho (ID) purchase actually costs each month once property tax, insurance and PMI are included — and how to model your own numbers.
| Median home price | $460,000 |
|---|---|
| 10% down payment | $46,000 |
| Loan amount | $414,000 |
| Principal & interest (30yr @ 6.75%) | $2,685/mo |
| Property tax (0.63%) | $242/mo |
| Homeowners insurance | $117/mo |
| PMI (until 20% equity) | $173/mo |
| Estimated total monthly | $3,216/mo |
Illustrative only, at a 6.75% sample rate with 10% down. Your rate, tax assessment and insurance premium will differ.
What makes Idaho different
Prices have outrun local incomes, so affordability limits bind before the payment does — run the DTI check first.
Renting deserves a serious look here. $460,000 to buy against $1,750 a month to rent is a price-to-rent ratio of 21.9, the 7th highest in the country; at that level the deposit invested elsewhere is a real competitor rather than a consolation.
Insurance is comparatively mild: $1,400 a year is the 10th lowest in the country, or $117 a month against $242 of property tax.
Idaho is an expensive place to buy. The median $460,000 is the 13th highest in the country and $117,500 above the national median, putting a 20% deposit at roughly $92,000 before any closing costs.
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