Idaho Mortgage Calculator 2026
Calculate your monthly mortgage payment with Idaho-specific rates, taxes, and insurance
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Mortgage Calculator
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Understanding Your Mortgage
Principal vs Interest
In the early years of your mortgage, most of your monthly payment goes toward interest. As you pay down your loan, more goes toward principal.
Extra Payments
Making even small additional payments can significantly reduce your loan term and save thousands in interest over the life of your loan.
Amortization
An amortization schedule shows how your loan balance decreases over time as you make payments, eventually reaching zero at the end of your loan term.
📊 Idaho Housing Market Overview 2025
Market Statistics
- Median Home Price:$425,000
- Average Mortgage Rate:6.18%
- Property Tax Rate:0.63%
- Avg. Home Insurance:$1100/year
- Market Trend:+9.3% year-over-year
Popular Cities
- 📍Boise
- 📍Meridian
- 📍Nampa
- 📍Idaho Falls
- 📍Pocatello
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💰 Idaho First-Time Home Buyer Programs
Idaho Housing First Home Program
Low down payment loans with competitive rates
$12,000
$110,000
Idaho Advantage Down Payment Assistance
Forgivable second mortgage for down payment and closing costs
$6,000-$8,000
$95,000
❓ Frequently Asked Questions
What is the average mortgage rate in Idaho?
The average mortgage rate in Idaho is currently 6.18% for a 30-year fixed-rate mortgage. Rates vary based on your credit score, down payment amount, and the lender you choose.
What is the median home price in Idaho?
The median home price in Idaho is $425,000. The market has experienced +9.3% year-over-year growth.
What is the property tax rate in Idaho?
The average property tax rate in Idaho is 0.63% of the home's assessed value. On a median-priced home, this equals approximately $2,678 per year.
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