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City · 5,404 residents · Jefferson County, Idaho

Rigby , Idaho

In Rigby, a typical home is worth $336,200 and typical rent is $1,180 a month. Compared with all of Jefferson County, the typical home value is 18% lower and the share of households that own their home is 11 points lower.

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  • Typical home value

    $336,200

    18% below the county

    20% below Idaho

    • Rigby
    • Jefferson
    • Idaho

  • Typical rent

    $1,180a month

    4% above the county

    5% below Idaho

    • Rigby
    • Jefferson
    • Idaho

  • Typical household income

    $85,056a year

    About the same as the county

    9% above Idaho

    • Rigby
    • Jefferson
    • Idaho

  • Households that own their home

    72%

    11 points below the county

    About the same as Idaho

    • Rigby
    • Jefferson
    • Idaho

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

Market now, with Zillow data

Zillow data
Typical home value
$477,687
2.6% more than 12 months ago
Typical rent
$1,420 a month

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

Rigby is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rigby apart

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

  1. Rigby has the smallest share of rent-burdened renters of the 33 cities in Idaho with more than 5,000 people: 31%.

  2. Nearby, in Blackfoot, the typical rent is $839: 29% less than in Rigby ($1,180).

  3. Nearby, in Blackfoot, the typical home value is $262,500: 22% less than in Rigby ($336,200).

  4. The typical home in Rigby is worth $336,200, 18% less than in Jefferson County as a whole ($408,400).

  5. 72% of households in Rigby own their home, against 83% in Jefferson County.

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

The homes here

Housing in Rigby

What homes there are in Rigby, 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

In Rigby, 7 in 10 homes are single-family detached houses; in Jefferson County, 8.

Year built

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

$1,574 a month

Jefferson County: $1,700 a month

Without a mortgage

$481 a month

Jefferson County: $460 a month

Owners with a mortgage

76%

Jefferson County: 65%

Owning costs less in Rigby: with a mortgage, the typical cost is $1,574 a month; in Jefferson County, $1,700. Without one, $481.

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 Rigby rose 146% since 2015–2019, more than in Jefferson County (101%).

The typical rent in Rigby rose 55% over the same time; in Jefferson County, it rose 43%.

To compare: typical income in Rigby rose 72%; the home, +146%; the rent, +55%.

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

MeasureRigbyJefferson 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 estimate4.2%3.1%3.4%
People per household 2.723.232.642.53
Drive alone 85%78%73%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home Unreliable estimate8%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes10 to 19 minutes20 to 29 minutes

Households in Rigby are smaller: 2.72 people on average; in Jefferson County, 3.23.

In Rigby, 85% of workers drive alone to work; in Jefferson County, 78%.

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 Rigby?

A typical home costs more than the typical income allows

We start with a typical home in Rigby, worth $336,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Rigby, which is $85,056 a year. For that payment to be 28% of income, a household would need to earn about $116,022 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rigby. 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 $11,767 (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

$2,707

at 7.18% · 30 years

Loan amount
$330,111
Total interest
$474,952
Paid off in
November 2056

Includes $5,678 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,985 a month

  • Tight

    $1,985 to $2,552 a month

  • Hard

    more than $2,552 a month

    Your payment · 38%

Compared with the typical household income in Rigby ($85,056 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,707
Principal & interest$2,236
Property tax$182
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,767 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

Rigby and Jefferson County

Rigby is in Jefferson 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).

Rigby's own numbers

Typical home value
$336,200
Typical monthly rent
$1,180
Typical yearly household income
$85,056
Households that own their home
72%
Effective property tax rate
0.65%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,274
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
3.3%

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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Rigby

A typical home in Rigby is worth $336,200: 18% below the county and 20% below Idaho. With the typical household income in Rigby ($85,056 a year), a typical home costs 4.0 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.

  • Rigby 4.0 years
  • Jefferson 4.7 years
  • Idaho 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 146% in the 10 years through 2025.

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

Period County Idaho U.S.
Last year (2025) +6.4% +2.3% +2.9%
5 years (2020–2025) +55% +57% +47%
10 years (2015–2025) +146% +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

Rigby next to Jefferson 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
  • Rigby $336,200
  • Jefferson $408,400
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Rigby $1,180
  • Jefferson $1,138
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Rigby $85,056
  • Jefferson $86,679
  • Idaho $77,800
  • United States $80,734
See the full table
Rigby next to Jefferson County and Idaho
Measure Rigby Jefferson County Idaho U.S.
Typical home value $336,200 $408,400 $418,600 $332,700
Typical monthly rent $1,180 $1,138 $1,238 $1,413
Typical yearly household income $85,056 $86,679 $77,800 $80,734
Households that own their home 72% 83% 72% 65%
Typical yearly property tax $2,180 $1,824 $2,038 $3,119
Effective property tax rate 0.65% 0.45% 0.49% 0.94%
Renters with high rent for their income 31% 28% 47% 51%

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

For a typical $336,200 home in Rigby, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rigby's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,707a month

    Least cash to close
    Down payment
    $11,767
    Cash to close
    $21,853
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $2,646a month

    Down payment
    $16,810
    Cash to close
    $26,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,144a month

    Down payment
    $67,240
    Cash to close
    $77,326
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,455a month

    Down payment
    $50,430
    Cash to close
    $60,516
    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 Rigby and for Jefferson County.

Property tax

Effective rate in Rigby

0.65%of the home’s value each year

$2,180 a year for the typical owner in Rigby.

  • Rigby 0.65%
  • Jefferson 0.45%
  • Idaho 0.49%

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

Exemptions and deadlines in Idaho

Flood risk in Jefferson County

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

Homes in the high-risk zone
3.3%
398
Of those, with NFIP insurance
5.8%
County Idaho U.S.
Homes in the high-risk zone 3.3% 2% 3.5%
Of those, with NFIP insurance 5.8% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rigby

Typical rent in Rigby is $1,180 a month: 4% above the county. In Rigby, 31% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,274 a month) without spending more than 30% of your income, you would need to earn $24.50 an hour working full time.

HUD fair market rent for all of Jefferson 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 $1,013 $19.48 $40,520
1 bedroom $1,064 $20.46 $42,560
2 bedrooms $1,274 $24.50 $50,960
3 bedrooms $1,764 $33.92 $70,560
4 bedrooms $2,129 $40.94 $85,160

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 Rigby

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rigby is in ZIP code 83442.

For 2 bedrooms it is $1,380: $106 more than the fair market rent for Jefferson County ($1,274).

  • 83442 $1,380$1,910

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

HUD lists 3 buildings with rents for lower incomes in Rigby. These are the largest.

  • Tralee 270 S 3rd W, Rigby 83442 36 homes, 35 low-income · 2 bd: 28 · 3 bd: 8 · In service since 1999 · For families
  • Meadowview Apartments 375 Farnsworth Way, Rigby 83442 20 low-income homes · For families (208) 745-6505
  • Teton View II 410 Annis Hwy, Rigby 83442 16 low-income homes · 1 bd: 16 · In service since 1993 · For older adults

See all 4 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rigby

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Rigby

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

Which programs do I qualify for? All programs in Idaho

Housing counselors near Rigby

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

  • Idaho Housing and Finance Assocation--Idaho Falls Branch Office

    1235 Jones St, Idaho Falls · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    (866) 684-3756

  • Pocatello Neighborhood Housing Services, Inc DBA Neighborworks Pocatello

    206 N Arthur Ave, Pocatello · 62 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (208) 232-9468

  • Idaho Housing and Finance Association--Twin Falls Branch Office

    841 Meadows Dr, Twin Falls · 150 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    (866) 234-3435

All counseling agencies in Idaho

Help in Spanish near Rigby

2 of the 3 agencies on this list say they serve 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 Rigby

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

All housing agencies in Idaho Source: HUD

Cities

Nearby cities

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

Everything about Jefferson County Housing in Idaho

Neighboring counties

If Jefferson 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 Rigby.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Rigby

Short answers with the numbers for Rigby and all of Jefferson 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 Rigby?

The typical home value in Rigby is $336,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $408,400.

How much does it cost to rent in Rigby?

Typical rent in Rigby is $1,180 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,274.

What is the FHA loan limit in Rigby?

Rigby uses the FHA limit for all of Jefferson 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 Rigby?

The typical homeowner in Rigby pays $2,180 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Jefferson County, the rate is 0.45%.

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

We found no HUD-approved counseling agencies with an office in Jefferson 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).