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City · 6,663 residents · Payette County, Idaho

Fruitland , Idaho

In Fruitland, a typical home is worth $329,600 and typical rent is $798 a month. Compared with all of Payette County, typical rent is 7% lower.

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  • Typical home value

    $329,600

    4% below the county

    21% below Idaho

    • Fruitland
    • Payette
    • Idaho

  • Typical rent

    $798a month

    7% below the county

    36% below Idaho

    • Fruitland
    • Payette
    • Idaho

  • Typical household income

    $65,457a year

    3% below the county

    16% below Idaho

    • Fruitland
    • Payette
    • Idaho

  • Households that own their home

    70%

    5 points below the county

    2 points below Idaho

    • Fruitland
    • Payette
    • Idaho

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$409,044
2.2% more than 12 months ago
Typical rent
$1,500 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Fruitland is in Payette County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Payette County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fruitland apart

What this place has that others do not, from public data, most unusual first.

  1. Fruitland has the lowest typical rent of the 36 cities in Idaho with more than 5,000 people: $798.

  2. Nearby, in Weiser, the typical home value is $223,400: 32% less than in Fruitland ($329,600).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fruitland

What homes there are in Fruitland, 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 are the majority in Fruitland (63%), but less so than in Payette County (74%).

There are more mobile homes here than in Payette County: 20% of homes, against 15%.

Year built

Here half of the homes date from 1994 or later; in Payette County, from 1978 or later.

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
Monthly rent with utilities

With a mortgage

$1,527 a month

Payette County: $1,479 a month

Without a mortgage

$429 a month

Payette County: $405 a month

Owners with a mortgage

68%

Payette County: 65%

Owning costs about the same in Fruitland as in Payette County: with a mortgage, $1,527 a month; without one, $429.

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 Fruitland rose 114%; in Payette County, it rose 106%.

Rent in Fruitland moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureFruitlandPayette CountyIdahoUnited States
Rental vacancy Unreliable estimateUnreliable estimate3.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate5.1%3.1%3.4%
People per household 2.772.742.642.53
Drive alone 81%83%73%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate6%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Much as in Payette County, a household in Fruitland has 2.77 people on average.

In Fruitland, 81% of workers drive alone to work; in Payette County, 83%.

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

Do the math

What would you pay each month for a home in Fruitland?

A typical home costs more than the typical income allows

We start with a typical home in Fruitland, worth $329,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Fruitland, which is $65,457 a year. For that payment to be 28% of income, a household would need to earn about $110,919 a year.

The calculator's FHA and conventional loan limits are those of all of Payette County.

Your numbers

Local data
$

Starts at the typical home value in Fruitland. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,536 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,588

at 7.18% · 30 years

Loan amount
$323,630
Total interest
$465,628
Paid off in
November 2056

Includes $5,566 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,527 a month

  • Tight

    $1,527 to $1,964 a month

  • Hard

    more than $1,964 a month

    Your payment · 47%

Compared with the typical household income in Fruitland ($65,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,588
Principal & interest$2,192
Property tax$113
Home insurance$137
FHA mortgage insurance (MIP)$146

You need at least $11,536 for the down payment, plus closing costs.

Next step

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.

The city and its county

Fruitland and Payette County

Fruitland is in Payette 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).

Fruitland's own numbers

Typical home value
$329,600
Typical monthly rent
$798
Typical yearly household income
$65,457
Households that own their home
70%
Effective property tax rate
0.41%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Payette County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,071
Price change over 5 years (FHFA)
+62%

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 Payette County.

Everything about Payette County

Buying

Buying a home in Fruitland

A typical home in Fruitland is worth $329,600: 4% below the county and 21% below Idaho. With the typical household income in Fruitland ($65,457 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.

  • Fruitland 5.0 years
  • Payette 5.1 years
  • Idaho 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Payette County

According to FHFA’s house price index, home prices in Payette County rose 169% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Payette County.

Period County Idaho U.S.
Last year (2025) −1.0% +2.3% +2.9%
5 years (2020–2025) +62% +57% +47%
10 years (2015–2025) +169% +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

Fruitland next to Payette 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
  • Fruitland $329,600
  • Payette $341,800
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Fruitland $798
  • Payette $860
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Fruitland $65,457
  • Payette $67,673
  • Idaho $77,800
  • United States $80,734
See the full table
Fruitland next to Payette County and Idaho
Measure Fruitland Payette County Idaho U.S.
Typical home value $329,600 $341,800 $418,600 $332,700
Typical monthly rent $798 $860 $1,238 $1,413
Typical yearly household income $65,457 $67,673 $77,800 $80,734
Households that own their home 70% 75% 72% 65%
Typical yearly property tax $1,351 $1,357 $2,038 $3,119
Effective property tax rate 0.41% 0.4% 0.49% 0.94%
Renters with high rent for their income 44% 35% 47% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Payette 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 Fruitland

For a typical $329,600 home in Fruitland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruitland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,588a month

    Least cash to close
    Down payment
    $11,536
    Cash to close
    $21,424
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $146

  • Conventional, 5% down $2,528a month

    Down payment
    $16,480
    Cash to close
    $26,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $157

  • Conventional, 20% down, no PMI $2,036a month

    Down payment
    $65,920
    Cash to close
    $75,808
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,341a month

    Down payment
    $49,440
    Cash to close
    $59,328
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fruitland and for Payette County.

Property tax

Effective rate in Fruitland

0.41%of the home’s value each year

$1,351 a year for the typical owner in Fruitland.

  • Fruitland 0.41%
  • Payette 0.4%
  • Idaho 0.49%

What Idaho publishes Homeowner’s exemption (Idaho State Tax Commission)

Exemptions and deadlines in Idaho

Flood risk in Payette County

FEMA does not publish these numbers by city: they are for all of Payette County.

FEMA’s maps count no homes in the high-risk zone in Payette County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fruitland

Typical rent in Fruitland is $798 a month: 7% below the county. In Fruitland, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Payette 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.

HUD fair market rent for all of Payette County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $813 $15.63 $32,520
1 bedroom $819 $15.75 $32,760
2 bedrooms $1,071 $20.60 $42,840
3 bedrooms $1,483 $28.52 $59,320
4 bedrooms $1,790 $34.42 $71,600

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 Fruitland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruitland is in ZIP code 83619.

For 2 bedrooms it is $1,080: $9 more than the fair market rent for Payette County ($1,071).

  • 83619 $1,080$1,500

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruitland 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Fruitland

HUD lists 2 buildings with rents for lower incomes in Fruitland. These are the largest.

  • Valencia Senior 1273 Spring Creek Ln, Fruitland 83619 48 homes, 42 low-income · 1 bd: 32 · 2 bd: 16 · In service since 2015 · For older adults
  • Riverbend Court I and II 18 Circle Dr, Fruitland 83619 40 homes, 39 low-income · 2 bd: 40 · In service since 2011 · For families

See all 10 buildings in Payette County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fruitland

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 Payette County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Fruitland

No down payment, repair or rent-help program on our list is for Fruitland or Payette County. The ones below are statewide in Idaho: they work in Fruitland the same as in the rest of the state.

Which programs do I qualify for? All programs in Idaho

Housing counselors near Fruitland

The HUD-approved agencies closest to the center of Fruitland, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Debt Reduction Services, Inc. DBA Money Fit

    6213 N Cloverdale Rd, Boise · 38 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (877) 688-3328

  • Neighborhood Housing Services Inc DBA Neighborworks Boise

    3380 W Americana Ter Ste 120, Boise · 44 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (208) 343-4065

  • Jesse Tree

    1121 W Miller St, Boise · 45 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (209) 383-9486

All counseling agencies in Idaho

Help in Spanish near Fruitland

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fruitland

HUD lists no housing authority with an office in Payette County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Idaho Source: HUD

Cities

Other cities in Payette County

These cities are also in Payette County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Payette County Housing in Idaho

Nearby cities

The cities closest to Fruitland, with the typical home value.

Neighboring counties

If Payette County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fruitland.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Fruitland

Short answers with the numbers for Fruitland and all of Payette 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 Fruitland?

The typical home value in Fruitland is $329,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Payette County it is $341,800.

How much does it cost to rent in Fruitland?

Typical rent in Fruitland is $798 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Payette County is $1,071.

What is the FHA loan limit in Fruitland?

Fruitland uses the FHA limit for all of Payette County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Fruitland?

The typical homeowner in Fruitland pays $1,351 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Payette County, the rate is 0.4%.

Where can I find free help to buy or rent in Fruitland?

We found no HUD-approved counseling agencies with an office in Payette County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).