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Coeur d'Alene mortgage calculator
A median-priced Coeur d'Alene, ID home at 6.75% over 30 years, with Idaho property tax of 0.63% and $1,400 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$4,168 a month, all in
Principal and interest are $3,491; escrow and PMI add the rest. Over the full term the loan costs $718,472 in interest. Discounted at 5%, buying here has a net present value of $-51,800 ($267,956 in today’s dollars).
Within Idaho, Coeur d'Alene is the most expensive of the 4 Idaho markets covered here. Prices here run 1.53x those in Idaho Falls, the cheapest market listed, so a statewide average badly understates what a purchase costs on this side of the state.
The price-to-rent ratio here is 24.8 ($598,000 to buy, $2,012 a month to rent), which is high. Renting and investing the deposit is a genuine alternative in Coeur d'Alene, not a fallback position.
Coeur d'Alene carries a premium over the rest of Idaho: a median home here runs $598,000, about 30% above the state median of $460,000. The deposit moves with it, so the same 20% down is $119,600 rather than $92,000.
Monthly cost in Coeur d'Alene vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $598,000 |
|---|---|
| Down payment (10%) | $59,800 |
| Loan amount | $538,200 |
| Principal & interest | $3,491/mo |
| Property tax (0.63%) | $314/mo |
| Homeowners insurance | $117/mo |
| PMI while above 80% LTV | $247/mo |
| Total monthly payment | $4,168/mo |
| Comparable rent | $2,012/mo |
What a rate move does to the Coeur d'Alene payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $3,056/mo |
| 6% | $3,227/mo |
| 6.5% | $3,402/mo |
| 7% | $3,581/mo |
| 7.5% | $3,763/mo |
| 8% | $3,949/mo |
Rent or buy in Coeur d'Alene?
Against $2,012 a month in rent, over 7 years renting leaves you about $148,681 better off — $125,080 once 2.5% inflation is stripped out. See the Idaho rent-vs-buy page.
Where these numbers come from
Idaho medians come from editorial and are refreshed weekly. The Coeur d'Alene figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.