In Caldwell, a typical home is worth $367,300 and typical rent is $1,264 a month. Compared with all of Canyon County, typical rent is 6% lower and the typical home value is 6% lower.
Typical home value from Zillow, September 2021 to September 2026: from $410,155 to $399,646.
Typical rent
$1,736a month
▲ 3.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,445 to $1,736.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Caldwell is in Canyon County. The FHA loan limit ($586,500 for a one-unit home), the fair market rents and the help on this page are those of all of Canyon County. See the county
What homes there are in Caldwell, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Caldwell
Canyon County
Idaho
United States
Kind of home: Caldwell and its comparisons
Measure
Caldwell
Canyon County
Idaho
United States
Detached house
79%
79%
74%
61%
Attached house
3%
3%
4%
6%
Building of 2 to 4
6%
6%
7%
8%
Apartments (5 or more)
6%
5%
9%
19%
Mobile home
5%
7%
7%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is the most common home in Caldwell: 79% of homes, near the figure in Canyon County (79%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Caldwell
Canyon County
Idaho
United States
Year built: Caldwell and its comparisons
Measure
Caldwell
Canyon County
Idaho
United States
Before 1960
15%
15%
17%
26%
1960–1979
14%
16%
22%
24%
1980–1999
15%
21%
25%
25%
2000–2009
24%
25%
18%
14%
2010 or later
32%
24%
18%
11%
The typical home in Caldwell was built in 2003, 4 years after the typical one in Canyon County.
In Caldwell, 77% of homes have 3 bedrooms or more, about the same as in Canyon County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K6%
$100K–$200K4%
$200K–$300K15%
$300K–$500K63%
$500K–$750K10%
FHA limit: $586,500
$750K–$1M1%
$1M or moreUnreliable
Value of owner-occupied homes: Caldwell and its comparisons
Measure
Caldwell
Under $100K
6%
$100K–$200K
4%
$200K–$300K
15%
$300K–$500K
63%
$500K–$750K
10%
$750K–$1M
1%
$1M or more
Unreliable estimate
About 92% of owner-occupied homes in Caldwell are worth less than the FHA loan limit for Canyon County ($586,500).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99927%
$1,000–$1,49932%
$1,500–$1,99920%
HUD fair market rent, 2 bedrooms: $1,540
$2,000–$2,49913%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Caldwell and its comparisons
Measure
Caldwell
Under $500
6%
$500–$999
27%
$1,000–$1,499
32%
$1,500–$1,999
20%
$2,000–$2,499
13%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Canyon County is $1,540; about 66% of rents in Caldwell are below it.
With a mortgage
$1,603 a month
Canyon County: $1,651 a month
Without a mortgage
$425 a month
Canyon County: $468 a month
Owners with a mortgage
73%
Canyon County: 69%
Owning costs about the same in Caldwell as in Canyon County: with a mortgage, $1,603 a month; without one, $425.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Caldwell+141%
Canyon County+119%
Idaho+97%
United States+53%
Typical rent
Caldwell+44%
Canyon County+50%
Idaho+45%
United States+33%
Typical household income
Caldwell+49%
Canyon County+47%
Idaho+40%
United States+29%
Change since 2015–2019: Caldwell and its comparisons
Measure
Caldwell
Canyon County
Idaho
United States
Typical home value
+141%
+119%
+97%
+53%
Typical rent
+44%
+50%
+45%
+33%
Typical household income
+49%
+47%
+40%
+29%
From 2015–2019 to 2020–2024, the typical home value in Caldwell rose 141%; in Canyon County, it rose 119%.
The typical rent in Caldwell rose 44% over the same time; in Canyon County, it rose 50%.
To compare: typical income in Caldwell rose 49%; the home, +141%; the rent, +44%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Caldwell and its comparisons
Measure
Caldwell
Canyon County
Idaho
United States
Rental vacancy
Unreliable estimate
3.9%
3.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.7%
0.9%
More than one person per room
5.8%
4.4%
3.1%
3.4%
People per household
3.01
2.87
2.64
2.53
Drive alone
74%
74%
73%
69%
Carpool
12%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
2%
2%
3%
3%
Work from home
12%
13%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
In Caldwell, 5.8% of households live with more than one person per room, against 4.4% in Canyon County.
A household in Caldwell has 3.01 people on average, about the same as in Canyon County (2.87).
In Caldwell, 74% of workers drive alone to work; in Canyon County, 74%.
Do the math
What would you pay each month for a home in Caldwell?
A typical home costs more than the typical income allows
We start with a typical home in Caldwell, worth $367,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Caldwell, which is $73,058 a year. For that payment to be 28% of income, a household would need to earn about $125,180 a year.
The calculator's FHA and conventional loan limits are those of all of Canyon County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Caldwell. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,856 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,921
at 7.18% · 30 years
Loan amount
$360,647
Total interest
$518,886
Paid off in
November 2056
Includes $6,203 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,705 a month
Tight
$1,705 to $2,192 a month
Hard
more than $2,192 a month
Your payment · 48%
Compared with the typical household income in Caldwell ($73,058 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,443
Property tax
$162
Home insurance
$153
FHA mortgage insurance (MIP)
$162
You need at least $12,856 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,921; principal and interest $2,443.
The city and its county
Caldwell and Canyon County
Caldwell is in Canyon County, Idaho. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Caldwell
Map of Canyon County, Idaho, with Caldwell marked. Around it, the neighboring counties.
Caldwell
Canyon County
Other cities with a page
Caldwell's own numbers
Typical home value
$367,300
Typical monthly rent
$1,264
Typical yearly household income
$73,058
Households that own their home
73%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Canyon County
FHA limit, one-unit home
$586,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,540
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Canyon County.
A typical home in Caldwell is worth $367,300: 6% below the county and 12% below Idaho. With the typical household income in Caldwell ($73,058 a year), a typical home costs 5.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Caldwell5.0 years
Canyon5.1 years
Idaho5.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Canyon County
According to FHFA’s house price index, home prices in Canyon County rose 185% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Canyon County.
Yearly change in FHFA’s price index in Canyon County, 2016 to 2025
2016: +10.5% +10.5% 2016
2017: +12.3% +12.3% 2017
2018: +16.8% +16.8% 2018
2019: +14.5% +14.5% 2019
2020: +11.2% +11.2% 2020
2021: +27.3% +27.3% 2021
2022: +18.0% +18.0% 2022
2023: −3.0% −3.0% 2023
2024: +4.6% +4.6% 2024
2025: +1.4% +1.4% 2025
Change in FHFA’s price index in Canyon County, Idaho and the United States
Period
County
Idaho
U.S.
Last year (2025)
+1.4%
+2.3%
+2.9%
5 years (2020–2025)
+54%
+57%
+47%
10 years (2015–2025)
+185%
+149%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Caldwell next to Canyon County, Idaho and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Caldwell$367,300
Canyon$390,000
Idaho$418,600
United States$332,700
Typical monthly rent
Caldwell$1,264
Canyon$1,347
Idaho$1,238
United States$1,413
Typical yearly household income
Caldwell$73,058
Canyon$76,488
Idaho$77,800
United States$80,734
See the full table
Caldwell next to Canyon County and Idaho
Measure
Caldwell
Canyon County
Idaho
U.S.
Typical home value
$367,300 ▼6% below the county
$390,000
$418,600
$332,700
Typical monthly rent
$1,264 ▼6% below the county
$1,347
$1,238
$1,413
Typical yearly household income
$73,058 ▼4% below the county
$76,488
$77,800
$80,734
Households that own their home
73% ▼2 points below the county
76%
72%
65%
Typical yearly property tax
$1,952 ▼3% below the county
$2,011
$2,038
$3,119
Effective property tax rate
0.53% ▲0.01 points above the county
0.52%
0.49%
0.94%
Renters with high rent for their income
50% ▲1 points above the county
49%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Canyon County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Caldwell
For a typical $367,300 home in Caldwell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Caldwell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,921a month
Least cash to close
Down payment
$12,856
Cash to close
$23,875
Rate
7.18%
Mortgage insurance
FHA MIP · $162
Conventional, 5% down$2,854a month
Down payment
$18,365
Cash to close
$29,384
Rate
7.18%
Mortgage insurance
PMI · $174
Conventional, 20% down, no PMI$2,306a month
Down payment
$73,460
Cash to close
$84,479
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,645a month
Down payment
$55,095
Cash to close
$66,114
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Caldwell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,921
$12,856
$360,647
7.18%
FHA MIP · $162
$23,875
580
Conventional, 5% down
$2,854
$18,365
$348,935
7.18%
PMI · $174
$29,384
620*
Conventional, 20% down, no PMI
$2,306
$73,460
$293,840
7.18%
None
$84,479
620*
ITIN, 15% down (example)
$2,645
$55,095
$312,205
8.18%
None
$66,114
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Caldwell is $1,264 a month: 6% below the county. In Caldwell, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Canyon County, by unit size. To pay the 2-bedroom one ($1,540 a month) without spending more than 30% of your income, you would need to earn $29.62 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Canyon County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,152
$22.15
$46,080
1 bedroom
$1,295
$24.90
$51,800
2 bedrooms
$1,540
$29.62
$61,600
3 bedrooms
$2,132
$41.00
$85,280
4 bedrooms
$2,574
$49.50
$102,960
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Caldwell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Caldwell has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,500 in 83605 to $1,630 in 83607.
1 of the 2 is above the fair market rent for Canyon County ($1,540).
Fair market rent by ZIP code and size in Caldwell, fiscal year 2027.
83605
$1,060
$1,260
$1,500
$2,090
$2,510
83607
$1,220
$1,370
$1,630
$2,260
$2,720
ZIP code2 bd3 bd
83605 $1,500$2,090
83607 $1,630$2,260
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Caldwell when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 19 buildings with rents for lower incomes in Caldwell. These are the largest.
Parkview415 Sunset Ct, Caldwell 8360587 homes, 77 low-income · 1 bd: 21 · 2 bd: 54 · 3 bd: 12 · In service since 1999 · For families
Mallard Cove306 S 34th Ave, Caldwell 8360556 homes, 55 low-income · 1 bd: 16 · 2 bd: 32 · 3 bd: 8 · In service since 1995 · For families
Logan Park612 W Logan St, Caldwell 8360550 low-income homes · 1 bd: 47 · 2 bd: 3 · In service since 1993 · For older adults
Vineyard Suites at Indian Creek3523 E Linden St, Caldwell 8360550 homes, 49 low-income · 1 bd: 24 · 2 bd: 26 · In service since 2008 · For older adults
Ashton Place3904 E Ustick Rd, Caldwell 8360548 homes, 47 low-income · 2 bd: 16 · 3 bd: 24 · 4 bd: 8 · In service since 2002 · For families
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Canyon County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Caldwell or Canyon County. The ones below are statewide in Idaho: they work in Caldwell the same as in the rest of the state.
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.
No legal help resource on our list is for Caldwell or Canyon County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Caldwell and all of Canyon County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Caldwell?
The typical home value in Caldwell is $367,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Canyon County it is $390,000.
How much does it cost to rent in Caldwell?
Typical rent in Caldwell is $1,264 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Canyon County is $1,540.
What is the FHA loan limit in Caldwell?
Caldwell uses the FHA limit for all of Canyon County (2026): $586,500 for a one-unit home and $1,127,900 for a four-unit home.
How much property tax do owners pay in Caldwell?
The typical homeowner in Caldwell pays $1,952 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Canyon County, the rate is 0.52%.
Where can I find free help to buy or rent in Caldwell?
We found no HUD-approved counseling agencies with an office in Canyon County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
