In Emmett, a typical home is worth $342,000 and typical rent is $1,042 a month. Compared with all of Gem County, the typical home value is 20% lower, typical household income is 9% lower, and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $421,213 to $457,570.
Typical rent
$1,488a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Emmett is in Gem 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 Gem County. See the county
What this place has that others do not, from public data, most unusual first.
1
61% of households in Emmett own their home, against 76% in Gem County.
2
The typical home in Emmett is worth $342,000,20% less than in Gem County as a whole ($428,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Emmett
What homes there are in Emmett, 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
Emmett
Gem County
Idaho
United States
Kind of home: Emmett and its comparisons
Measure
Emmett
Gem County
Idaho
United States
Detached house
75%
80%
74%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
9%
19%
Mobile home
7%
12%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Emmett, but it weighs less than in Gem County: 75% against 80%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Emmett
Gem County
Idaho
United States
Year built: Emmett and its comparisons
Measure
Emmett
Gem County
Idaho
United States
Before 1960
30%
21%
17%
26%
1960–1979
27%
27%
22%
24%
1980–1999
12%
21%
25%
25%
2000–2009
18%
21%
18%
14%
2010 or later
13%
11%
18%
11%
In Emmett, 31% of homes date from 2000 or later, and 30% from before 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K14%
$200K–$300K18%
$300K–$500K47%
$500K–$750K15%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Emmett and its comparisons
Measure
Emmett
Under $100K
Unreliable estimate
$100K–$200K
14%
$200K–$300K
18%
$300K–$500K
47%
$500K–$750K
15%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99933%
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Emmett and its comparisons
Measure
Emmett
Under $500
Unreliable estimate
$500–$999
33%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,213 a month
Gem County: $1,466 a month
Without a mortgage
$362 a month
Gem County: $385 a month
Owners with a mortgage
64%
Gem County: 56%
The typical cost for an owner with a mortgage in Emmett is $1,213 a month, less than in Gem County ($1,466); without one, $362.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Emmett+166%
Gem County+154%
Idaho+97%
United States+53%
Typical rent
Emmett+53%
Gem County+39%
Idaho+45%
United States+33%
Typical household income
Emmett+63%
Gem County+42%
Idaho+40%
United States+29%
Change since 2015–2019: Emmett and its comparisons
Measure
Emmett
Gem County
Idaho
United States
Typical home value
+166%
+154%
+97%
+53%
Typical rent
+53%
+39%
+45%
+33%
Typical household income
+63%
+42%
+40%
+29%
The typical home value in Emmett rose 166% since 2015–2019, more than in Gem County (154%).
Since 2015–2019, the typical rent in Emmett rose 53%, more than in Gem County (39%).
While home values in Emmett changed +166% and rent +53%, the typical household income rose 63%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Emmett and its comparisons
Measure
Emmett
Gem County
Idaho
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
3.9%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
3.1%
3.4%
People per household
2.71
2.66
2.64
2.53
Drive alone
77%
75%
73%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
8%
12%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Much as in Gem County, a household in Emmett has 2.71 people on average.
To get to work, 77% of workers in Emmett drive alone; in Gem County, 75%.
Do the math
What would you pay each month for a home in Emmett?
A typical home costs more than the typical income allows
We start with a typical home in Emmett, worth $342,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Emmett, which is $58,750 a year. For that payment to be 28% of income, a household would need to earn about $115,092 a year.
The calculator's FHA and conventional loan limits are those of all of Gem 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 Emmett. 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 $11,970 (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
$2,685
at 7.18% · 30 years
Loan amount
$335,806
Total interest
$483,145
Paid off in
November 2056
Includes $5,776 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,371 a month
Tight
$1,371 to $1,762 a month
Hard
more than $1,762 a month
Your payment · 55%
Compared with the typical household income in Emmett ($58,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,275
Property tax
$117
Home insurance
$143
FHA mortgage insurance (MIP)
$151
You need at least $11,970 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 $2,685; principal and interest $2,275.
The city and its county
Emmett and Gem County
Emmett is in Gem 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).
Emmett
Map of Gem County, Idaho, with Emmett marked. Around it, the neighboring counties.
Emmett
Gem County
Other cities with a page
Emmett's own numbers
Typical home value
$342,000
Typical monthly rent
$1,042
Typical yearly household income
$58,750
Households that own their home
61%
Effective property tax rate
0.41%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Gem County
FHA limit, one-unit home
$586,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,071
Price change over 5 years (FHFA)
+53%
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 Gem County.
A typical home in Emmett is worth $342,000: 20% below the county and 18% below Idaho. With the typical household income in Emmett ($58,750 a year), a typical home costs 5.8 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.
Emmett5.8 years
Gem6.6 years
Idaho5.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Gem County
According to FHFA’s house price index, home prices in Gem County rose 183% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Gem County.
Yearly change in FHFA’s price index in Gem County, 2016 to 2025
2016: +8.9% +8.9% 2016
2017: +13.3% +13.3% 2017
2018: +17.6% +17.6% 2018
2019: +12.5% +12.5% 2019
2020: +13.5% +13.5% 2020
2021: +22.3% +22.3% 2021
2022: +18.5% +18.5% 2022
2023: +0.0% +0.0% 2023
2024: +2.4% +2.4% 2024
2025: +2.8% +2.8% 2025
Change in FHFA’s price index in Gem County, Idaho and the United States
Period
County
Idaho
U.S.
Last year (2025)
+2.8%
+2.3%
+2.9%
5 years (2020–2025)
+53%
+57%
+47%
10 years (2015–2025)
+183%
+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
Emmett next to Gem 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
Emmett$342,000
Gem$428,700
Idaho$418,600
United States$332,700
Typical monthly rent
Emmett$1,042
Gem$1,038
Idaho$1,238
United States$1,413
Typical yearly household income
Emmett$58,750
Gem$64,605
Idaho$77,800
United States$80,734
See the full table
Emmett next to Gem County and Idaho
Measure
Emmett
Gem County
Idaho
U.S.
Typical home value
$342,000 ▼20% below the county
$428,700
$418,600
$332,700
Typical monthly rent
$1,042
$1,038
$1,238
$1,413
Typical yearly household income
$58,750 ▼9% below the county
$64,605
$77,800
$80,734
Households that own their home
61% ▼15 points below the county
76%
72%
65%
Typical yearly property tax
$1,414
$1,418
$2,038
$3,119
Effective property tax rate
0.41% ▲0.08 points above the county
0.33%
0.49%
0.94%
Renters with high rent for their income
51% ▲10 points above the county
41%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gem 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 Emmett
For a typical $342,000 home in Emmett, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Emmett's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,685a month
Least cash to close
Down payment
$11,970
Cash to close
$22,230
Rate
7.18%
Mortgage insurance
FHA MIP · $151
Conventional, 5% down$2,623a month
Down payment
$17,100
Cash to close
$27,360
Rate
7.18%
Mortgage insurance
PMI · $162
Conventional, 20% down, no PMI$2,113a month
Down payment
$68,400
Cash to close
$78,660
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,429a month
Down payment
$51,300
Cash to close
$61,560
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Emmett
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,685
$11,970
$335,806
7.18%
FHA MIP · $151
$22,230
580
Conventional, 5% down
$2,623
$17,100
$324,900
7.18%
PMI · $162
$27,360
620*
Conventional, 20% down, no PMI
$2,113
$68,400
$273,600
7.18%
None
$78,660
620*
ITIN, 15% down (example)
$2,429
$51,300
$290,700
8.18%
None
$61,560
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 Emmett is $1,042 a month: about the same as the county. In Emmett, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Gem County, by unit size. To pay the 2-bedroom one ($1,071 a month) without spending more than 30% of your income, you would need to earn $20.60 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 Gem County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$776
$14.92
$31,040
1 bedroom
$969
$18.63
$38,760
2 bedrooms
$1,071
$20.60
$42,840
3 bedrooms
$1,461
$28.10
$58,440
4 bedrooms
$1,763
$33.90
$70,520
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 Emmett
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Emmett is in ZIP code 83617.
For 2 bedrooms it is $1,080: $9 more than the fair market rent for Gem County ($1,071).
Fair market rent by ZIP code and size in Emmett, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
83617
$770
$960
$1,080
$1,450
$1,760
ZIP code2 bd3 bd
83617 $1,080$1,450
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Emmett 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.
We found no HUD-approved agencies with an office in Gem 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 Emmett or Gem County. The ones below are statewide in Idaho: they work in Emmett 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 Emmett or Gem 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 Emmett and all of Gem 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 Emmett?
The typical home value in Emmett is $342,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gem County it is $428,700.
How much does it cost to rent in Emmett?
Typical rent in Emmett is $1,042 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gem County is $1,071.
What is the FHA loan limit in Emmett?
Emmett uses the FHA limit for all of Gem 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 Emmett?
The typical homeowner in Emmett pays $1,414 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Gem County, the rate is 0.33%.
Where can I find free help to buy or rent in Emmett?
We found no HUD-approved counseling agencies with an office in Gem County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
