CALCMONEY // MORTGAGE // ID
Calculate your monthly mortgage payment using Idaho-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$445,000
6.95%
0.69%
5.8% flat
How today's 6.95% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.95% | — |
| 2024 avg | 7.37% | -0.42% |
| 2023 avg | 7.80% | -0.85% |
| 2022 peak | 7.63% | -0.68% |
| 2021 avg | 3.55% | +3.40% |
| 2020 avg | 3.35% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Idaho market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $2,357 |
| Property Tax | $256 |
| Homeowners Insurance (est.) | $148 |
| Total Monthly Payment (PITI) | $2,761 |
$89,000
$492,352
$118,318/yr
Statewide, Idaho's median home price runs $445,000, 6% above the $420,000 national median. The 6.9x price-to-income ratio here is measured against a $64,900 median household income.
Idaho's 0.69% average property tax rate runs below the 1.1% national average, working out to $256/month on the median home here.
Idaho levies a state income tax of 5.8% flat on top of the $2,761/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Idaho's cost of living index is 98, below the 100 national baseline. That's on top of the housing numbers above, not instead of them.
Idaho's median home price runs almost identical to Montana, both landing close to $445,000.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $356,000 loan saves $16,020 in interest over 30 years.
Compare Top Idaho Mortgage LendersMontana
$445,000 median
NYNew York
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NVNevada
$430,000 median
RIRhode Island
$425,000 median