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City · 8,536 residents · Payette County, Idaho

Payette , Idaho

In Payette, a typical home is worth $276,500 and typical rent is $837 a month. Compared with all of Payette County, the typical home value is 19% lower, typical household income is 18% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $276,500

    19% below the county

    34% below Idaho

    • Payette
    • County
    • Idaho

  • Typical rent

    $837a month

    3% below the county

    32% below Idaho

    • Payette
    • County
    • Idaho

  • Typical household income

    $55,208a year

    18% below the county

    29% below Idaho

    • Payette
    • County
    • Idaho

  • Households that own their home

    59%

    15 points below the county

    13 points below Idaho

    • Payette
    • County
    • Idaho

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

Market now, with Zillow data

Zillow data
Typical home value
$371,896
5.3% more than 12 months ago

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

Payette 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 Payette apart

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

  1. 59% of households in Payette own their home, against 75% in Payette County.

  2. Payette has the 3rd lowest typical rent of the 36 cities in Idaho with more than 5,000 people ($837).

  3. Nearby, in Weiser, the typical home value is $223,400: 19% less than in Payette ($276,500).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Payette rose 5.3%; in Idaho, it rose 2.2%.

  5. The typical home in Payette is worth $276,500, 19% less than in Payette County as a whole ($341,800).

  6. The typical household income in Payette is $55,208, 18% less than in Payette County as a whole ($67,673).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Payette

What homes there are in Payette, 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

The detached house is the most common home in Payette: 72% of homes, near the figure in Payette County (74%).

Year built

In Payette, half of the homes were built before 1972; in Payette County, before 1978.

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

$1,259 a month

Payette County: $1,479 a month

Without a mortgage

$393 a month

Payette County: $405 a month

Owners with a mortgage

66%

Payette County: 65%

The typical cost for an owner with a mortgage in Payette is $1,259 a month, less than in Payette County ($1,479); without one, $393.

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

The typical home value in Payette rose 134% since 2015–2019, more than in Payette County (106%).

The typical rent in Payette stayed about the same over that time: the difference is within the Census margin of error.

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

MeasurePayettePayette 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 2.662.742.642.53
Drive alone 84%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 Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

By size, households in Payette look like those in Payette County: 2.66 people on average.

To get to work, 84% of workers in Payette drive alone; 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 Payette?

A typical home costs more than the typical income allows

We start with a typical home in Payette, worth $276,500, 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 Payette, which is $55,208 a year. For that payment to be 28% of income, a household would need to earn about $93,543 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 Payette. 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 $9,678 (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

$2,183

at 7.18% · 30 years

Loan amount
$271,491
Total interest
$390,612
Paid off in
November 2056

Includes $4,669 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,288 a month

  • Tight

    $1,288 to $1,656 a month

  • Hard

    more than $1,656 a month

    Your payment · 47%

Compared with the typical household income in Payette ($55,208 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,183
Principal & interest$1,839
Property tax$106
Home insurance$115
FHA mortgage insurance (MIP)$122

You need at least $9,678 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

Payette and Payette County

Payette 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).

Payette's own numbers

Typical home value
$276,500
Typical monthly rent
$837
Typical yearly household income
$55,208
Households that own their home
59%
Effective property tax rate
0.46%

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 Payette

A typical home in Payette is worth $276,500: 19% below the county and 34% below Idaho. With the typical household income in Payette ($55,208 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.

  • Payette 5.0 years
  • County 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

Payette 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
  • Payette $276,500
  • County $341,800
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Payette $837
  • County $860
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Payette $55,208
  • County $67,673
  • Idaho $77,800
  • United States $80,734
See the full table
Payette next to Payette County and Idaho
Measure Payette Payette County Idaho U.S.
Typical home value $276,500 $341,800 $418,600 $332,700
Typical monthly rent $837 $860 $1,238 $1,413
Typical yearly household income $55,208 $67,673 $77,800 $80,734
Households that own their home 59% 75% 72% 65%
Typical yearly property tax $1,262 $1,357 $2,038 $3,119
Effective property tax rate 0.46% 0.4% 0.49% 0.94%
Renters with high rent for their income 33% 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 Payette

For a typical $276,500 home in Payette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Payette's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,183a month

    Least cash to close
    Down payment
    $9,678
    Cash to close
    $17,973
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $122

  • Conventional, 5% down $2,132a month

    Down payment
    $13,825
    Cash to close
    $22,120
    Rate
    7.18%
    Mortgage insurance
    PMI · $131

  • Conventional, 20% down, no PMI $1,720a month

    Down payment
    $55,300
    Cash to close
    $63,595
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,975a month

    Down payment
    $41,475
    Cash to close
    $49,770
    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 Payette and for Payette County.

Property tax

Effective rate in Payette

0.46%of the home’s value each year

$1,262 a year for the typical owner in Payette.

  • Payette 0.46%
  • County 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 Payette

Typical rent in Payette is $837 a month: 3% below the county. In Payette, 33% 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 Payette

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Payette is in ZIP code 83661.

For 2 bedrooms it is $1,040: $31 less than the fair market rent for Payette County ($1,071).

  • 83661 $1,040$1,440

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Payette 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 Payette

HUD lists 8 buildings with rents for lower incomes in Payette. These are the largest.

  • Kenmare Trace 660 S 12th St, Payette 83661 36 homes, 35 low-income · 2 bd: 26 · 3 bd: 10 · In service since 1999 · For families
  • Brent Manor 1615 Center Ave, Payette 83661 34 homes, 32 low-income · 1 bd: 4 · 2 bd: 22 · 3 bd: 8 · In service since 2019 · For families
  • Louise Garden 1140 6th Ave S, Payette 83661 32 homes, 31 low-income · 1 bd: 32 · In service since 1996 · For older adults
  • Brandon Bay 660 S 12th St, Payette 83661 28 homes, 27 low-income · 1 bd: 4 · 2 bd: 16 · 3 bd: 8 · In service since 2002 · For families
  • Payette Townhouses 415 S 16th St, Payette 83661 27 low-income homes · 2 bd: 22 · 3 bd: 5 · In service since 2012 · For families (208) 642-8224

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

Free help

Help to buy or rent in Payette

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Payette

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

Which programs do I qualify for? All programs in Idaho

Housing counselors near Payette

The HUD-approved agencies closest to the center of Payette, 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 · 41 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 · 48 miles away

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

  • Jesse Tree

    1121 W Miller St, Boise · 48 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 Payette

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 Payette

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 Payette, 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 Payette.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Payette

Short answers with the numbers for Payette 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 Payette?

The typical home value in Payette is $276,500, 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 Payette?

Typical rent in Payette is $837 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 Payette?

Payette 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 Payette?

The typical homeowner in Payette pays $1,262 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Payette County, the rate is 0.4%.

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

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).