In Eagle, a typical home is worth $772,900 and typical rent is $1,765 a month. Compared with all of Ada County, the typical home value is 51% higher, typical household income is 34% higher, and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $792,274 to $785,302.
Typical rent
$2,200a month
▲ 10% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,866 to $2,200.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Eagle is in Ada 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 Ada County. See the county
What this place has that others do not, from public data, most unusual first.
1
Eagle has the highest typical household income of the 36 cities in Idaho with more than 5,000 people: $122,894.
2
Eagle has the highest typical home value of the 36 cities in Idaho with more than 5,000 people: $772,900.
3
Nearby, in Nampa, the typical home value is $370,800: 52% less than in Eagle ($772,900).
4
Eagle has the 2nd highest homeownership rate of the 36 cities in Idaho with more than 5,000 people (84%).
5
Eagle has the 2nd largest share of rent-burdened renters of the 33 cities in Idaho with more than 5,000 people (58%).
6
Nearby, in Middleton, the typical rent is $1,147: 35% less than in Eagle ($1,765).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Eagle
What homes there are in Eagle, 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
Eagle
Ada County
Idaho
United States
Kind of home: Eagle and its comparisons
Measure
Eagle
Ada County
Idaho
United States
Detached house
86%
74%
74%
61%
Attached house
2%
5%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
7%
8%
Apartments (5 or more)
8%
12%
9%
19%
Mobile home
2%
3%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Eagle: 86% of homes, more than in Ada County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Eagle
Ada County
Idaho
United States
Year built: Eagle and its comparisons
Measure
Eagle
Ada County
Idaho
United States
Before 1960
Unreliable estimate
10%
17%
26%
1960–1979
9%
17%
22%
24%
1980–1999
22%
28%
25%
25%
2000–2009
23%
20%
18%
14%
2010 or later
43%
25%
18%
11%
Here half of the homes date from 2007 or later; in Ada County, from 1997 or later.
In Eagle, 87% of homes have 3 bedrooms or more, more than in Ada County (73%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K14%
$500K–$750K29%
$750K–$1M22%
$1M or more30%
Value of owner-occupied homes: Eagle and its comparisons
Measure
Eagle
Under $100K
3%
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
14%
$500K–$750K
29%
$750K–$1M
22%
$1M or more
30%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49919%
$1,500–$1,99937%
$2,000–$2,49914%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Eagle and its comparisons
Measure
Eagle
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
19%
$1,500–$1,999
37%
$2,000–$2,499
14%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,460 a month
Ada County: $1,905 a month
Without a mortgage
$657 a month
Ada County: $546 a month
Owners with a mortgage
65%
Ada County: 67%
Owning costs more in Eagle: with a mortgage, the typical cost is $2,460 a month; in Ada County, $1,905. Without one, $657.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Eagle+81%
Ada County+89%
Idaho+97%
United States+53%
Typical rent
Eagle+55%
Ada County+59%
Idaho+45%
United States+33%
Typical household income
Eagle+32%
Ada County+38%
Idaho+40%
United States+29%
Change since 2015–2019: Eagle and its comparisons
Measure
Eagle
Ada County
Idaho
United States
Typical home value
+81%
+89%
+97%
+53%
Typical rent
+55%
+59%
+45%
+33%
Typical household income
+32%
+38%
+40%
+29%
Homes in Eagle gained value more slowly than in Ada County: 81% since 2015–2019, against 89%.
Rents in Eagle rose more slowly than in Ada County: 55% since 2015–2019, against 59%.
The typical household income in Eagle rose 32%: less than home values (+81%) and rent (+55%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Eagle and its comparisons
Measure
Eagle
Ada County
Idaho
United States
Rental vacancy
Unreliable estimate
4.1%
3.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.7%
0.9%
More than one person per room
Unreliable estimate
2.0%
3.1%
3.4%
People per household
2.55
2.49
2.64
2.53
Drive alone
61%
69%
73%
69%
Carpool
5%
7%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
3%
3%
3%
3%
Work from home
29%
19%
13%
15%
Other means
2%
1%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
By size, households in Eagle look like those in Ada County: 2.55 people on average.
In Eagle, 29% of workers work from home, more than in Ada County (19%).
Do the math
What would you pay each month for a home in Eagle?
A typical home costs more than the typical income allows
We start with a typical home in Eagle, worth $772,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Eagle, which is $122,894 a year. For that payment to be 28% of income, a household would need to earn about $260,653 a year. Note: at that price the loan is above the FHA limit for Ada County ($586,500), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Ada 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 Eagle. 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 $27,052 (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
$6,082
at 7.18% · 30 years
Loan amount
$758,900
Total interest
$1,091,880
Paid off in
November 2056
Includes $13,052 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,868 a month
Tight
$2,868 to $3,687 a month
Hard
more than $3,687 a month
Your payment · 59%
Compared with the typical household income in Eagle ($122,894 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,141
Property tax
$277
Home insurance
$322
FHA mortgage insurance (MIP)
$342
This loan is over the FHA limit
You'd borrow $745,848, but the FHA limit for a one-unit home in Eagle is $586,500. You'd need a bigger down payment or a different loan.
You need at least $27,052 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 $6,082; principal and interest $5,141.
The city and its county
Eagle and Ada County
Eagle is in Ada 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).
Eagle
Map of Ada County, Idaho, with Eagle marked. Around it, the neighboring counties.
Eagle
Ada County
Other cities with a page
Eagle's own numbers
Typical home value
$772,900
Typical monthly rent
$1,765
Typical yearly household income
$122,894
Households that own their home
84%
Effective property tax rate
0.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ada 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)
+48%
Homes in a high flood-risk zone
2.4%
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 Ada County.
A typical home in Eagle is worth $772,900: 51% above the county and 85% above Idaho. With the typical household income in Eagle ($122,894 a year), a typical home costs 6.3 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.
Eagle6.3 years
Ada5.6 years
Idaho5.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ada County
According to FHFA’s house price index, home prices in Ada County rose 152% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ada County.
Yearly change in FHFA’s price index in Ada County, 2016 to 2025
2016: +9.2% +9.2% 2016
2017: +11.6% +11.6% 2017
2018: +13.8% +13.8% 2018
2019: +12.4% +12.4% 2019
2020: +9.0% +9.0% 2020
2021: +24.4% +24.4% 2021
2022: +15.3% +15.3% 2022
2023: −3.5% −3.5% 2023
2024: +4.1% +4.1% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Ada County, Idaho and the United States
Period
County
Idaho
U.S.
Last year (2025)
+2.7%
+2.3%
+2.9%
5 years (2020–2025)
+48%
+57%
+47%
10 years (2015–2025)
+152%
+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
Eagle next to Ada 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
Eagle$772,900
Ada$512,300
Idaho$418,600
United States$332,700
Typical monthly rent
Eagle$1,765
Ada$1,577
Idaho$1,238
United States$1,413
Typical yearly household income
Eagle$122,894
Ada$91,502
Idaho$77,800
United States$80,734
See the full table
Eagle next to Ada County and Idaho
Measure
Eagle
Ada County
Idaho
U.S.
Typical home value
$772,900 ▲51% above the county
$512,300
$418,600
$332,700
Typical monthly rent
$1,765 ▲12% above the county
$1,577
$1,238
$1,413
Typical yearly household income
$122,894 ▲34% above the county
$91,502
$77,800
$80,734
Households that own their home
84% ▲13 points above the county
71%
72%
65%
Typical yearly property tax
$3,351 ▲26% above the county
$2,655
$2,038
$3,119
Effective property tax rate
0.43% ▼0.09 points below the county
0.52%
0.49%
0.94%
Renters with high rent for their income
58% ▲8 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 Ada 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 Eagle
For a typical $772,900 home in Eagle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eagle's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,082a month
Above the FHA limit for Ada County ($586,500)
Down payment
$27,052
Cash to close
$50,239
Rate
7.18%
Mortgage insurance
FHA MIP · $342
Conventional, 5% down$5,940a month
Least cash to close
Down payment
$38,645
Cash to close
$61,832
Rate
7.18%
Mortgage insurance
PMI · $367
Conventional, 20% down, no PMI$4,788a month
Down payment
$154,580
Cash to close
$177,767
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,502a month
Down payment
$115,935
Cash to close
$139,122
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Eagle
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Ada County ($586,500)
$6,082
$27,052
$758,901
7.18%
FHA MIP · $342
$50,239
580
Conventional, 5% down Least cash to close
$5,940
$38,645
$734,255
7.18%
PMI · $367
$61,832
620*
Conventional, 20% down, no PMI
$4,788
$154,580
$618,320
7.18%
None
$177,767
620*
ITIN, 15% down (example)
$5,502
$115,935
$656,965
8.18%
None
$139,122
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Eagle is $1,765 a month: 12% above the county. In Eagle, 58% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ada 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 Ada 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 Eagle
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eagle is in ZIP code 83616.
For 2 bedrooms it is $2,000: $460 more than the fair market rent for Ada County ($1,540).
Fair market rent by ZIP code and size in Eagle, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
83616
$1,460
$1,680
$2,000
$2,800
$3,340
ZIP code2 bd3 bd
83616 $2,000$2,800
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eagle 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)
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.
There are 5 HUD-approved agencies with an office in Ada County; 3 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Eagle or Ada County. The ones below are statewide in Idaho: they work in Eagle 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 Eagle or Ada 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 Eagle and all of Ada 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 Eagle?
The typical home value in Eagle is $772,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ada County it is $512,300.
How much does it cost to rent in Eagle?
Typical rent in Eagle is $1,765 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ada County is $1,540.
What is the FHA loan limit in Eagle?
Eagle uses the FHA limit for all of Ada 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 Eagle?
The typical homeowner in Eagle pays $3,351 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Ada County, the rate is 0.52%.
Where can I find free help to buy or rent in Eagle?
There are 5 HUD-approved counseling agencies with an office in Ada County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
