Home and mortgage

Idaho Mortgage Calculator

Your monthly mortgage payment in Idaho, with Idaho's effective property tax rate (0.49%) built in, at this week's average rate. The calculator starts at the state's median home value, $418,600.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$2,607.47The answer

Monthly payment

$2,607.47

A $419,000 home with 20% down ($335,200 borrowed) at 7.18% over 30 years costs about $2,607 a month: $2,271 principal and interest plus $337 of tax, insurance and dues.

Principal and interest: $2,270.76
Tax, insurance, PMI and HOA: $336.71
Total interest over the loan: $482,274

Amortization by year: $335,200 at 7.18%

Year	Interest	Principal	Balance
1	$23,960.54	$3,288.60	$331,911.40
2	$23,716.49	$3,532.65	$328,378.75
3	$23,454.33	$3,794.81	$324,583.93
4	$23,172.71	$4,076.43	$320,507.51
5	$22,870.20	$4,378.94	$316,128.57
6	$22,545.23	$4,703.90	$311,424.66
7	$22,196.15	$5,052.98	$306,371.68
8	$21,821.17	$5,427.97	$300,943.71
9	$21,418.36	$5,830.78	$295,112.93
10	$20,985.65	$6,263.49	$288,849.44
11	$20,520.83	$6,728.30	$282,121.14
12	$20,021.52	$7,227.62	$274,893.52
13	$19,485.16	$7,763.98	$267,129.54
14	$18,908.99	$8,340.15	$258,789.39
15	$18,290.06	$8,959.08	$249,830.31
16	$17,625.20	$9,623.94	$240,206.37
17	$16,911.00	$10,338.14	$229,868.24
18	$16,143.80	$11,105.33	$218,762.90
19	$15,319.67	$11,929.47	$206,833.43
20	$14,434.38	$12,814.76	$194,018.67
21	$13,483.39	$13,765.75	$180,252.92
22	$12,461.82	$14,787.32	$165,465.61
23	$11,364.45	$15,884.69	$149,580.92
24	$10,185.64	$17,063.50	$132,517.41
25	$8,919.34	$18,329.80	$114,187.62
26	$7,559.08	$19,690.06	$94,497.56
27	$6,097.87	$21,151.27	$73,346.29
28	$4,528.22	$22,720.92	$50,625.37
29	$2,842.09	$24,407.05	$26,218.31
30	$1,030.82	$26,218.31	$0.00

Download the schedule (CSV)

This week's mortgage rates

Monthly payment in Idaho by home price (20% down, 7%, 30 years, 0.49% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$210,000	$1,118	$85	$1,370
$310,000	$1,650	$126	$1,942
$420,000	$2,235	$170	$2,573
$630,000	$3,353	$256	$3,775
$840,000	$4,471	$341	$4,978

How this calculator works

As the mortgage calculator, with Idaho's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $2,038 ÷ median value $418,600.

Questions people ask

What is the mortgage payment on a median home in Idaho?

On $418,600 with 20% down at 7% over 30 years: about $2,228 principal and interest and $170 of property tax, $2,565 a month with $2,000 a year of insurance.

What is the median home value in Idaho?

$418,600 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Idaho?

The effective rate is 0.49%, a median $2,038 a year. See Idaho's property tax page for every county we cover.

How much income do I need for a median Idaho home?

Under the 28% guideline, about $109,908 a year for the payment above; Idaho's median household income is $77,800.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.