Español

Este sitio también está en español. Leer en español

State

Data from November 2026

Housing , home prices, rents and assistance in Idaho (2026)

A typical home in Idaho is worth $418,600; the typical rent is $1,238 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $1,249,125. 10 HUD-approved counseling agencies serve Idaho; 6 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $267,400
  • $267,400–$300,700
  • $300,700–$359,800
  • $359,800–$414,800
  • $414,800 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$418,600
26% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,238
12% less than the U.S.
U.S.: $1,413
Typical household income
$77,800
4% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $1,249,125
It changes by county. The highest: Teton County.
U.S.: $541,287 to $1,299,500
Property tax
0.49%
of value a year
The typical bill is $2,038 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Idaho

A typical home in Idaho is worth $418,600, 26% more than in the country overall. Across its 44 counties, the typical value runs from $212,900 in Power County to $735,300 in Blaine County. A typical household earns $77,800 a year and pays $1,238 a month in rent; 47% of renters put 30% or more of their income toward housing. 72% of households live in a home they own; they pay a typical property tax of $2,038 a year, about 0.49% of value.

The conforming loan limit for a one-unit home runs from $832,750 to $1,249,125 depending on the county. To pay HUD’s fair rent for a 2-bedroom apartment in Idaho ($1,367) without spending more than 30% of income, you need about $26.29 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Idaho

More on property tax

  • Homeowner’s exemption

    If you own a home (including a manufactured home) and live in it as your primary residence, you could qualify for this exemption for the home and up to one acre of land. It exempts 50 percent of the value of the home and up to one acre of land from property tax, up to a maximum of $125,000. You apply at your county assessor’s office, which decides if you qualify. Once approved, it lasts until the home’s ownership changes or you no longer use it as your primary residence.

    Idaho State Tax Commission · Verified October 24, 2026

  • Information the exemption application asks for

    The law says the county assessor’s form asks for your full name, date of birth, complete address and most recent previous complete address. It also asks, as applicable, for your Idaho driver’s license number or Idaho identification card number. This does not apply to an owner in active military service on the first application, while the owner meets the conditions in the law. If you have been domiciled in Idaho for less than 90 days and do not have an Idaho driver’s license or identification card, the law gives you 90 days from your first application to give that number to the assessor.

    Idaho State Legislature (Idaho Code) · Verified October 24, 2026

  • Deadline: the last business day of the year

    To get the exemption for the current tax year, the application is due by the end of the county’s normal business hours on the last business day of the year. The full exemption counts from January 1 of the year in which a complete application is filed and approved, and it is not prorated. Approved applications received after the second Monday in July are granted as tax cancellations.

    Idaho State Legislature (Idaho Code) · Verified October 24, 2026

  • Deadline to appeal the assessment: fourth Monday of June

    You may appeal an assessment or an exemption decision to the county board of equalization. The appeal is made in writing, on a form from the board or the assessor, and must identify the taxpayer, the property and the reason. For an assessment on the property roll, the deadline is the end of the county’s normal business hours on the fourth Monday of June.

    Idaho State Legislature (Idaho Code) · Verified October 24, 2026

  • Property Tax Reduction program

    You might qualify for this program in 2027 if all of these apply: your total 2026 income, after deducting medical expenses, was $40,030 or less; you were 65 or older, blind, widowed, disabled, a former POW or hostage, or a motherless or fatherless child under 18; you owned and lived in a home in Idaho as your primary residence before April 15, 2027; and the property has a current homeowner’s exemption. The income limit changes each year.

    Idaho State Tax Commission · Verified October 24, 2026

The homes here

Housing in Idaho

What homes there are in Idaho, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 74% of homes here, against 61% in the U.S..

Year built

The typical home in Idaho was built in 1991, 11 years after the typical one in the U.S..

Homes in Idaho are bigger: 70% have 3 bedrooms or more; in the U.S., 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The largest group of owner-occupied homes in Idaho is worth between $300K and $500K: 37%.

Monthly rent with utilities

The largest group of rented homes in Idaho pays between $1,000 and $1,499 a month: 33%.

With a mortgage

$1,687 a month

United States: $1,963 a month

Without a mortgage

$493 a month

United States: $638 a month

Owners with a mortgage

62%

United States: 61%

Owning costs less in Idaho: with a mortgage, the typical cost is $1,687 a month; in the U.S., $1,963. Without one, $493.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Idaho rose 97%; in the U.S., it rose 53%.

Since 2015–2019, the typical rent in Idaho rose 45%, more than in the U.S. (33%).

Here income did not keep up with housing: it rose 40%, while home values changed +97% and rent +45%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureIdahoUnited States
Rental vacancy 3.9%5.5%
Homeowner vacancy 0.7%0.9%
More than one person per room 3.1%3.4%
People per household 2.642.53
Drive alone 73%69%
Carpool 9%9%
Public transit 1%3%
Walk or bike 3%3%
Work from home 13%15%
Other means 1%2%
Typical commute 10 to 19 minutes20 to 29 minutes

The rental vacancy rate in Idaho is 3.9%, lower than in the U.S. (5.5%).

Much as in the U.S., 3.1% of households in Idaho have more than one person per room.

Much as in the U.S., a household in Idaho has 2.64 people on average.

To get to work, 73% of workers in Idaho drive alone; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Idaho

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Idaho

Start from the typical home value in Idaho, $418,600, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Idaho

$
%

Estimated monthly payment

$3,315

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Idaho rose 149% in the 10 years through 2025.

Price change each year

Period Idaho United States
In 2025 +2.3% +2.9%
5 years (2020–2025) +57% +47%
10 years (2015–2025) +149% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Idaho were 5% lower than the U.S. average. Housing rents were 11% lower than nationwide.

Category Idaho United States Versus the U.S.
All prices Consumer goods and services 95.5 100.0 5% less
Housing rents What renters pay 90.0 100.6 11% less
Water, power and gas Water, sewer, electricity and gas 70.4 98.4 28% less
Goods Food, clothing, transportation and more 96.3 99.6 3% less
Other services Services other than rent 99.0 100.1 1% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Idaho 2% of homes (13,801) are in a high-risk flood zone. Of those homes, 19% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Idaho United States
Homes in a high-risk zone 2% 3.5%
Of those, with NFIP insurance 19% 48%
All homes with NFIP insurance 0.6% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Idaho

The 13 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (23)

    Help to buy

    Assistance programs in Idaho

    Our list has 1 official program that helps you buy in Idaho. Each card says what kind of help it gives and when we checked its official page.

    See the program
    1. Idaho Housing Down Payment and Closing Cost Assistance

      Idaho state association second mortgage for up to 8% of the price for the down payment or closing costs, repaid in small monthly installments along with the first mortgage; you do not need to be a first-time buyer. Offered by Idaho Housing and Finance Association.

      Repayable Verified November 5, 2026

    Who runs the help in Idaho

    • Idaho Housing and Finance Association

      The Idaho Housing and Finance Association has a down payment assistance program. It gives homebuyers up to 8 percent of the home’s sales price to use toward the down payment and/or closing costs. Buyers who use it can put in as little as $500 of their own funds. In the page’s example, on a $400,000 home with an Idaho Housing conventional loan, the minimum down payment would be $12,000 (3.0 percent); with the assistance you would put in only $500 and Idaho Housing would provide the rest of the financing. That additional financing is loaned to you through a second mortgage.

      The agency's official page · Verified October 24, 2026

    Tenant rights

    Tenant rights in Idaho

    Idaho law answers 5 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Idaho law sets no maximum for the security deposit. The Attorney General's manual says Idaho does not restrict the amount of rent or deposits a landlord can charge.

    2. When must they return my deposit?

      The landlord must refund your deposit within 21 days if your rental agreement sets no other time. In any case, it must be within 30 days after you return the unit. If you get back less than you paid, the landlord must give you a signed list of what was kept, why, and what it was spent on.

      Idaho Code §6-321(2)

    3. If I fall behind on rent, what notice must I get?

      If you do not pay rent, the landlord must serve you a 3-day written notice. The notice must state the amount due and require you to pay it or give up the unit.

      Idaho Code §6-303(2)

    4. How much notice ends a month-to-month rental?

      A rental with no fixed end, such as month-to-month, ends with written notice of at least 1 month. If the landlord wants you to leave, the landlord must give you that notice. If you want to leave, you must also give written notice of at least 1 month, with the date you will move out.

      Idaho Code §55-208

    5. Are there limits on late fees?

      Every fee charged to a residential tenant, including a late fee, must be reasonable. The landlord cannot charge you more than your rental agreement says. If your agreement is written, the landlord cannot charge a fee that is not in it unless you get 30 days' written notice.

      Idaho Code §55-305(1)-(2)

    A mother holding her baby watches her daughter blow bubbles outdoors.

    Help and advice

    Who can help you in Idaho?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    10 HUD-approved counseling agencies serve Idaho; 6 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    10 public housing authorities run Section 8 vouchers and public housing in Idaho.

    See all 10 agencies See the housing agencies

    Where to file a complaint in Idaho

    • Where to file a housing discrimination complaint

      The Idaho Human Rights Commission investigates complaints from people who say they faced discrimination in employment, housing, education and public accommodations. Its purpose is to secure for everyone in Idaho freedom from discrimination because of race, color, religion, national origin, sex, age (40 and older) and disability.

      Idaho Human Rights Commission · Verified October 24, 2026

    • Help with insurance complaints or questions

      The Consumer Affairs section of the Idaho Department of Insurance is a free resource. It gives general information about insurance and answers consumer questions and complaints. Its officers are an unbiased resource to help consumers resolve disputes with insurance companies and insurance agents. Its main purpose is to give help and advice on insurance matters within the state of Idaho.

      Idaho Department of Insurance · Verified October 24, 2026

    Guides

    Guides for you in Idaho

    We picked them with the numbers of Idaho. Each one says why it can help you.

    Frequently asked questions about housing in Idaho

    What is the FHA limit in Idaho in 2026?

    In Idaho, the FHA limit for a one-unit home runs from $541,287 to $1,249,125. The highest is in Teton County.

    How much does a typical home cost in Idaho?

    The typical home value in Idaho is $418,600 (Average 2020–2024, U.S. Census). The highest is in Blaine County ($735,300) and the lowest in Power County ($212,900).

    How much does it cost to rent in Idaho?

    The typical rent in Idaho is $1,238 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Idaho?

    At HUD's average fair market rent in Idaho ($1,367, Fiscal year 2027), about $26.29 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Idaho?

    The typical property tax in Idaho is $2,038 a year, about 0.49% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Idaho?

    There are 10 HUD-approved counseling agencies in Idaho; 6 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).