In Moscow, a typical home is worth $376,400 and typical rent is $927 a month. Compared with all of Latah County, typical household income is 13% lower and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $408,751 to $480,926.
Typical rent
$1,393a month
▲ 1.4% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,331 to $1,393.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Moscow is in Latah 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 Latah County. See the county
What this place has that others do not, from public data, most unusual first.
1
Moscow has the 2nd lowest homeownership rate of the 36 cities in Idaho with more than 5,000 people (40%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Moscow
What homes there are in Moscow, 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
Moscow
Latah County
Idaho
United States
Kind of home: Moscow and its comparisons
Measure
Moscow
Latah County
Idaho
United States
Detached house
41%
54%
74%
61%
Attached house
5%
4%
4%
6%
Building of 2 to 4
14%
9%
7%
8%
Apartments (5 or more)
35%
23%
9%
19%
Mobile home
5%
10%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Moscow; the largest group, detached houses, adds up to 41%, less than in Latah County (54%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Moscow
Latah County
Idaho
United States
Year built: Moscow and its comparisons
Measure
Moscow
Latah County
Idaho
United States
Before 1960
20%
23%
17%
26%
1960–1979
28%
27%
22%
24%
1980–1999
25%
24%
25%
25%
2000–2009
15%
13%
18%
14%
2010 or later
12%
12%
18%
11%
The typical year built in Moscow is 1983, about the same as in Latah County (1980).
There are fewer big homes in Moscow than in Latah County: 48% have 3 bedrooms or more, against 59%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K9%
$100K–$200KUnreliable
$200K–$300K16%
$300K–$500K48%
$500K–$750K19%
$750K–$1M4%
$1M or moreUnreliable
Value of owner-occupied homes: Moscow and its comparisons
Measure
Moscow
Under $100K
9%
$100K–$200K
Unreliable estimate
$200K–$300K
16%
$300K–$500K
48%
$500K–$750K
19%
$750K–$1M
4%
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99954%
$1,000–$1,49921%
HUD fair market rent, 2 bedrooms: $1,043
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Moscow and its comparisons
Measure
Moscow
Under $500
6%
$500–$999
54%
$1,000–$1,499
21%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($1,043), about 62% of rented homes in Moscow cost less.
With a mortgage
$1,797 a month
Latah County: $1,722 a month
Without a mortgage
$619 a month
Latah County: $562 a month
Owners with a mortgage
59%
Latah County: 53%
Owning costs about the same in Moscow as in Latah County: with a mortgage, $1,797 a month; without one, $619.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Moscow+64%
Latah County+62%
Idaho+97%
United States+53%
Typical rent
Moscow+27%
Latah County+26%
Idaho+45%
United States+33%
Typical household income
Moscow+36%
Latah County+33%
Idaho+40%
United States+29%
Change since 2015–2019: Moscow and its comparisons
Measure
Moscow
Latah County
Idaho
United States
Typical home value
+64%
+62%
+97%
+53%
Typical rent
+27%
+26%
+45%
+33%
Typical household income
+36%
+33%
+40%
+29%
The typical home value in Moscow rose 64% since 2015–2019, about the same as in Latah County (62%).
The typical rent in Moscow rose 27% since 2015–2019, about the same as in Latah County (26%).
The typical household income in Moscow rose 36% over that time; home values changed +64% and rent +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Moscow and its comparisons
Measure
Moscow
Latah 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
1.7%
3.1%
3.4%
People per household
2.21
2.28
2.64
2.53
Drive alone
63%
67%
73%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
15%
12%
3%
3%
Work from home
10%
10%
13%
15%
Other means
2%
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
A household in Moscow has 2.21 people on average, about the same as in Latah County (2.28).
Many here get to work on foot or by bike: 15%, more than in Latah County (12%).
Do the math
What would you pay each month for a home in Moscow?
A typical home costs more than the typical income allows
We start with a typical home in Moscow, worth $376,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Moscow, which is $57,022 a year. For that payment to be 28% of income, a household would need to earn about $131,373 a year.
The calculator's FHA and conventional loan limits are those of all of Latah 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 Moscow. 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 $13,174 (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
$3,065
at 7.18% · 30 years
Loan amount
$369,582
Total interest
$531,742
Paid off in
November 2056
Includes $6,356 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,331 a month
Tight
$1,331 to $1,711 a month
Hard
more than $1,711 a month
Your payment · 65%
Compared with the typical household income in Moscow ($57,022 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,504
Property tax
$238
Home insurance
$157
FHA mortgage insurance (MIP)
$166
You need at least $13,174 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 $3,065; principal and interest $2,504.
The city and its county
Moscow and Latah County
Moscow is in Latah 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).
Moscow
Map of Latah County, Idaho, with Moscow marked. Around it, the neighboring counties.
Moscow
Latah County
Moscow's own numbers
Typical home value
$376,400
Typical monthly rent
$927
Typical yearly household income
$57,022
Households that own their home
40%
Effective property tax rate
0.76%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Latah County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,043
Price change over 5 years (FHFA)
+55%
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 Latah County.
A typical home in Moscow is worth $376,400: 2% above the county and 10% below Idaho. With the typical household income in Moscow ($57,022 a year), a typical home costs 6.6 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.
Moscow6.6 years
Latah5.6 years
Idaho5.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Latah County
According to FHFA’s house price index, home prices in Latah County rose 110% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Latah County.
Yearly change in FHFA’s price index in Latah County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +6.3% +6.3% 2017
2018: +8.0% +8.0% 2018
2019: +7.8% +7.8% 2019
2020: +4.6% +4.6% 2020
2021: +16.0% +16.0% 2021
2022: +22.2% +22.2% 2022
2023: +4.9% +4.9% 2023
2024: +5.9% +5.9% 2024
2025: −1.5% −1.5% 2025
Change in FHFA’s price index in Latah County, Idaho and the United States
Period
County
Idaho
U.S.
Last year (2025)
−1.5%
+2.3%
+2.9%
5 years (2020–2025)
+55%
+57%
+47%
10 years (2015–2025)
+110%
+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
Moscow next to Latah 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
Moscow$376,400
Latah$368,600
Idaho$418,600
United States$332,700
Typical monthly rent
Moscow$927
Latah$929
Idaho$1,238
United States$1,413
Typical yearly household income
Moscow$57,022
Latah$65,424
Idaho$77,800
United States$80,734
See the full table
Moscow next to Latah County and Idaho
Measure
Moscow
Latah County
Idaho
U.S.
Typical home value
$376,400 ▲2% above the county
$368,600
$418,600
$332,700
Typical monthly rent
$927
$929
$1,238
$1,413
Typical yearly household income
$57,022 ▼13% below the county
$65,424
$77,800
$80,734
Households that own their home
40% ▼19 points below the county
59%
72%
65%
Typical yearly property tax
$2,856 ▲21% above the county
$2,368
$2,038
$3,119
Effective property tax rate
0.76% ▲0.12 points above the county
0.64%
0.49%
0.94%
Renters with high rent for their income
55% ▲2 points above the county
53%
47%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Latah 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 Moscow
For a typical $376,400 home in Moscow, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moscow's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,065a month
Least cash to close
Down payment
$13,174
Cash to close
$24,466
Rate
7.18%
Mortgage insurance
FHA MIP · $166
Conventional, 5% down$2,996a month
Down payment
$18,820
Cash to close
$30,112
Rate
7.18%
Mortgage insurance
PMI · $179
Conventional, 20% down, no PMI$2,435a month
Down payment
$75,280
Cash to close
$86,572
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,783a month
Down payment
$56,460
Cash to close
$67,752
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Moscow
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,065
$13,174
$369,582
7.18%
FHA MIP · $166
$24,466
580
Conventional, 5% down
$2,996
$18,820
$357,580
7.18%
PMI · $179
$30,112
620*
Conventional, 20% down, no PMI
$2,435
$75,280
$301,120
7.18%
None
$86,572
620*
ITIN, 15% down (example)
$2,783
$56,460
$319,940
8.18%
None
$67,752
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 Moscow is $927 a month: about the same as the county. In Moscow, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Latah County, by unit size. To pay the 2-bedroom one ($1,043 a month) without spending more than 30% of your income, you would need to earn $20.06 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 Latah County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$861
$16.56
$34,440
1 bedroom
$908
$17.46
$36,320
2 bedrooms
$1,043
$20.06
$41,720
3 bedrooms
$1,444
$27.77
$57,760
4 bedrooms
$1,743
$33.52
$69,720
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 Moscow
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moscow has 2 ZIP codes with their own.
For 2 bedrooms it is $1,060 in all of them.
2 of the 2 are above the fair market rent for Latah County ($1,043).
Fair market rent by ZIP code and size in Moscow, fiscal year 2027.
83843
$870
$920
$1,060
$1,470
$1,770
83844
$870
$920
$1,060
$1,470
$1,770
ZIP code2 bd3 bd
83843 $1,060$1,470
83844 $1,060$1,470
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Moscow 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 Latah 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 Moscow or Latah County. The ones below are statewide in Idaho: they work in Moscow 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 Moscow or Latah 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 Moscow and all of Latah 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 Moscow?
The typical home value in Moscow is $376,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Latah County it is $368,600.
How much does it cost to rent in Moscow?
Typical rent in Moscow is $927 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Latah County is $1,043.
What is the FHA loan limit in Moscow?
Moscow uses the FHA limit for all of Latah 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 Moscow?
The typical homeowner in Moscow pays $2,856 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Latah County, the rate is 0.64%.
Where can I find free help to buy or rent in Moscow?
We found no HUD-approved counseling agencies with an office in Latah County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
