In Nampa, a typical home is worth $370,800 and typical rent is $1,420 a month. Compared with all of Canyon County, typical rent is 5% higher and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $423,342 to $415,281.
Typical rent
$1,668a month
▲ 6.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,400 to $1,668.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Nampa 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 this place has that others do not, from public data, most unusual first.
1
Nearby, in Middleton, the typical rent is $1,147: 19% less than in Nampa ($1,420).
2
70% of households in Nampa own their home, against 76% in Canyon County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Nampa
What homes there are in Nampa, 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
Nampa
Canyon County
Idaho
United States
Kind of home: Nampa and its comparisons
Measure
Nampa
Canyon County
Idaho
United States
Detached house
75%
79%
74%
61%
Attached house
4%
3%
4%
6%
Building of 2 to 4
9%
6%
7%
8%
Apartments (5 or more)
7%
5%
9%
19%
Mobile home
5%
7%
7%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Nampa (75%), but less so than in Canyon County (79%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Nampa
Canyon County
Idaho
United States
Year built: Nampa and its comparisons
Measure
Nampa
Canyon County
Idaho
United States
Before 1960
15%
15%
17%
26%
1960–1979
11%
16%
22%
24%
1980–1999
24%
21%
25%
25%
2000–2009
28%
25%
18%
14%
2010 or later
22%
24%
18%
11%
By age, homes in Nampa look like those in Canyon County: the typical year built is 2000.
Homes in Nampa are smaller: 74% have 3 bedrooms or more; in Canyon County, 78%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K6%
$200K–$300K16%
$300K–$500K56%
$500K–$750K14%
FHA limit: $586,500
$750K–$1M2%
$1M or more1%
Value of owner-occupied homes: Nampa and its comparisons
Measure
Nampa
Under $100K
6%
$100K–$200K
6%
$200K–$300K
16%
$300K–$500K
56%
$500K–$750K
14%
$750K–$1M
2%
$1M or more
1%
By price, most homes in Nampa sit under the FHA limit for Canyon County ($586,500): about 88%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5004%
$500–$99913%
$1,000–$1,49942%
$1,500–$1,99931%
HUD fair market rent, 2 bedrooms: $1,540
$2,000–$2,4999%
$2,500–$2,9992%
$3,000 or moreUnreliable
Monthly rent with utilities: Nampa and its comparisons
Measure
Nampa
Under $500
4%
$500–$999
13%
$1,000–$1,499
42%
$1,500–$1,999
31%
$2,000–$2,499
9%
$2,500–$2,999
2%
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Canyon County is $1,540: about 61% of rents in Nampa are below it.
With a mortgage
$1,566 a month
Canyon County: $1,651 a month
Without a mortgage
$462 a month
Canyon County: $468 a month
Owners with a mortgage
74%
Canyon County: 69%
The typical cost for an owner with a mortgage in Nampa is $1,566 a month, less than in Canyon County ($1,651); without one, $462.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Nampa+122%
Canyon County+119%
Idaho+97%
United States+53%
Typical rent
Nampa+54%
Canyon County+50%
Idaho+45%
United States+33%
Typical household income
Nampa+52%
Canyon County+47%
Idaho+40%
United States+29%
Change since 2015–2019: Nampa and its comparisons
Measure
Nampa
Canyon County
Idaho
United States
Typical home value
+122%
+119%
+97%
+53%
Typical rent
+54%
+50%
+45%
+33%
Typical household income
+52%
+47%
+40%
+29%
Since 2015–2019, homes in Nampa gained value faster than in Canyon County: 122% against 119%.
The typical rent in Nampa rose 54% over the same time; in Canyon County, it rose 50%.
The typical household income in Nampa rose 52% over that time; home values changed +122% and rent +54%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Nampa and its comparisons
Measure
Nampa
Canyon County
Idaho
United States
Rental vacancy
3.9%
3.9%
3.9%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.7%
0.9%
More than one person per room
3.3%
4.4%
3.1%
3.4%
People per household
2.76
2.87
2.64
2.53
Drive alone
74%
74%
73%
69%
Carpool
10%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
2%
2%
3%
3%
Work from home
13%
13%
13%
15%
Other means
2%
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
In Nampa, the rental vacancy rate is 3.9%, about the same as in Canyon County.
In Nampa, 3.3% of households live with more than one person per room, against 4.4% in Canyon County.
Much as in Canyon County, a household in Nampa has 2.76 people on average.
To get to work, 74% of workers in Nampa drive alone; in Canyon County, 74%.
Do the math
What would you pay each month for a home in Nampa?
A typical home costs more than the typical income allows
We start with a typical home in Nampa, worth $370,800, 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 Nampa, which is $74,279 a year. For that payment to be 28% of income, a household would need to earn about $126,108 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 Nampa. 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 $12,978 (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
$2,943
at 7.18% · 30 years
Loan amount
$364,084
Total interest
$523,831
Paid off in
November 2056
Includes $6,262 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,733 a month
Tight
$1,733 to $2,228 a month
Hard
more than $2,228 a month
Your payment · 48%
Compared with the typical household income in Nampa ($74,279 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,466
Property tax
$158
Home insurance
$155
FHA mortgage insurance (MIP)
$164
You need at least $12,978 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 $2,943; principal and interest $2,466.
The city and its county
Nampa and Canyon County
Nampa 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).
Nampa
Map of Canyon County, Idaho, with Nampa marked. Around it, the neighboring counties.
Nampa
Canyon County
Other cities with a page
Nampa's own numbers
Typical home value
$370,800
Typical monthly rent
$1,420
Typical yearly household income
$74,279
Households that own their home
70%
Effective property tax rate
0.51%
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 Nampa is worth $370,800: 5% below the county and 11% below Idaho. With the typical household income in Nampa ($74,279 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.
Nampa5.0 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
Nampa 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
Nampa$370,800
Canyon$390,000
Idaho$418,600
United States$332,700
Typical monthly rent
Nampa$1,420
Canyon$1,347
Idaho$1,238
United States$1,413
Typical yearly household income
Nampa$74,279
Canyon$76,488
Idaho$77,800
United States$80,734
See the full table
Nampa next to Canyon County and Idaho
Measure
Nampa
Canyon County
Idaho
U.S.
Typical home value
$370,800 ▼5% below the county
$390,000
$418,600
$332,700
Typical monthly rent
$1,420 ▲5% above the county
$1,347
$1,238
$1,413
Typical yearly household income
$74,279 ▼3% below the county
$76,488
$77,800
$80,734
Households that own their home
70% ▼5 points below the county
76%
72%
65%
Typical yearly property tax
$1,890 ▼6% below the county
$2,011
$2,038
$3,119
Effective property tax rate
0.51% ▼0.01 points below 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 Nampa
For a typical $370,800 home in Nampa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Nampa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,943a month
Least cash to close
Down payment
$12,978
Cash to close
$24,102
Rate
7.18%
Mortgage insurance
FHA MIP · $164
Conventional, 5% down$2,875a month
Down payment
$18,540
Cash to close
$29,664
Rate
7.18%
Mortgage insurance
PMI · $176
Conventional, 20% down, no PMI$2,322a month
Down payment
$74,160
Cash to close
$85,284
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,664a month
Down payment
$55,620
Cash to close
$66,744
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Nampa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,943
$12,978
$364,084
7.18%
FHA MIP · $164
$24,102
580
Conventional, 5% down
$2,875
$18,540
$352,260
7.18%
PMI · $176
$29,664
620*
Conventional, 20% down, no PMI
$2,322
$74,160
$296,640
7.18%
None
$85,284
620*
ITIN, 15% down (example)
$2,664
$55,620
$315,180
8.18%
None
$66,744
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 Nampa is $1,420 a month: 5% above the county. In Nampa, 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 Nampa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Nampa has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,500 in 83651 to $1,520 in 83687.
None is above the fair market rent for Canyon County ($1,540).
2-bedroom fair market rent in each of the 3 ZIP codes of Nampa, beside the one for Canyon County. For 2 bedrooms it runs from $1,500 in 83651 to $1,520 in 83687. None is above the fair market rent for Canyon County ($1,540).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,540
Lowest: $1,500 (83651)Highest: $1,520 (83687)
Fair market rent by ZIP code and size in Nampa, fiscal year 2027.
83651
$1,100
$1,260
$1,500
$2,090
$2,510
83686
$1,060
$1,260
$1,500
$2,090
$2,510
83687
$1,140
$1,280
$1,520
$2,100
$2,540
ZIP code2 bd3 bd
83651 $1,500$2,090
83686 $1,500$2,090
83687 $1,520$2,100
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Nampa 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 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 Nampa or Canyon County. The ones below are statewide in Idaho: they work in Nampa 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 Nampa 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 Nampa 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 Nampa?
The typical home value in Nampa is $370,800, 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 Nampa?
Typical rent in Nampa is $1,420 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 Nampa?
Nampa 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 Nampa?
The typical homeowner in Nampa pays $1,890 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Canyon County, the rate is 0.52%.
Where can I find free help to buy or rent in Nampa?
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.
