Idaho Mortgage Calculator
Estimate your monthly mortgage payment in Idaho. On the state's median home value of $445,000, with a 20% down payment at today's rates, expect a total monthly payment (principal, interest, taxes, and insurance) around $2,574. Adjust every input for your situation.
Monthly Breakdown
- Principal & Interest$2,250
- Property Tax$248
- Home Insurance$75
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $27,002 | $3,979 | $23,023 | $352,021 |
| 2 | $27,002 | $4,246 | $22,756 | $347,775 |
| 3 | $27,002 | $4,530 | $22,472 | $343,245 |
| 4 | $27,002 | $4,833 | $22,169 | $338,412 |
| 5 | $27,002 | $5,157 | $21,845 | $333,255 |
| 6 | $27,002 | $5,502 | $21,500 | $327,753 |
| 7 | $27,002 | $5,871 | $21,131 | $321,882 |
| 8 | $27,002 | $6,264 | $20,738 | $315,618 |
| 9 | $27,002 | $6,684 | $20,318 | $308,934 |
| 10 | $27,002 | $7,131 | $19,871 | $301,803 |
| 11 | $27,002 | $7,609 | $19,393 | $294,194 |
| 12 | $27,002 | $8,118 | $18,884 | $286,076 |
| 13 | $27,002 | $8,662 | $18,340 | $277,414 |
| 14 | $27,002 | $9,242 | $17,760 | $268,172 |
| 15 | $27,002 | $9,861 | $17,141 | $258,311 |
| 16 | $27,002 | $10,522 | $16,480 | $247,789 |
| 17 | $27,002 | $11,226 | $15,776 | $236,563 |
| 18 | $27,002 | $11,978 | $15,024 | $224,585 |
| 19 | $27,002 | $12,780 | $14,222 | $211,805 |
| 20 | $27,002 | $13,636 | $13,366 | $198,168 |
| 21 | $27,002 | $14,549 | $12,453 | $183,619 |
| 22 | $27,002 | $15,524 | $11,478 | $168,095 |
| 23 | $27,002 | $16,563 | $10,439 | $151,532 |
| 24 | $27,002 | $17,673 | $9,329 | $133,859 |
| 25 | $27,002 | $18,856 | $8,146 | $115,003 |
| 26 | $27,002 | $20,119 | $6,883 | $94,884 |
| 27 | $27,002 | $21,467 | $5,535 | $73,417 |
| 28 | $27,002 | $22,904 | $4,098 | $50,513 |
| 29 | $27,002 | $24,438 | $2,564 | $26,075 |
| 30 | $27,002 | $26,075 | $927 | $0 |
Swipe the table sideways to see all columns →
How to use it
A two-minute guide.
The Home Price field is pre-filled with Idaho's median home value (about $445,000). Override with your target home's actual price for a property-specific estimate.
The Property Tax Rate is pre-filled with Idaho's average effective rate of 0.67%. Within Idaho, rates vary by county — if you know your specific local rate from your county assessor or last tax bill, override it for a more precise estimate.
The Home Insurance default reflects Idaho's typical annual premium of approximately $900.
Adjust the Down Payment slider to compare scenarios. Below 20% down triggers PMI; the calculator adds it automatically and flags it.
How it works
The math behind the result.
The Idaho median home, in dollar terms. At $445,000 with a 20% down payment, you bring $89,000 to closing (plus closing costs) and take out a $356,000 mortgage. At today's 6.50% 30-year fixed rate, your monthly principal and interest is roughly $2,250.
Idaho's ongoing housing costs. The state's average property tax rate of 0.67% produces about $2,982 per year on a median-priced home — typically paid through escrow with your mortgage. Insurance averages $900/year in Idaho.
Total monthly payment (PITI) on the median Idaho home works out to about $2,574/month at current rates with 20% down and no HOA. Putting less down adds PMI; HOA dues add separately if your specific neighborhood requires them.
Your specific city matters. Median home prices vary widely within Idaho — major cities are usually 30-100% above the state median, rural areas can be well below. For city-specific calculators with local home prices pre-filled, use the city links below.
Questions
Frequently asked.
Want a more local estimate? See our city-specific Idaho mortgage calculators or check Idaho property tax rates.
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