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City · 14,745 residents · Ada County, Idaho

Star , Idaho

In Star, a typical home is worth $564,300 and typical rent is $1,924 a month. Compared with all of Ada County, typical rent is 22% higher, the typical home value is 10% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $564,300

    10% above the county

    35% above Idaho

    • Star
    • Ada
    • Idaho

  • Typical rent

    $1,924a month

    22% above the county

    55% above Idaho

    • Star
    • Ada
    • Idaho

  • Typical household income

    $97,936a year

    7% above the county

    26% above Idaho

    • Star
    • Ada
    • Idaho

  • Households that own their home

    81%

    10 points above the county

    9 points above Idaho

    • Star
    • Ada
    • Idaho

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

Market now, with Zillow data

Zillow data
Typical home value
$582,851
about the same as 12 months ago
Typical rent
$2,452 a month
6.6% more than 12 months ago

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

Star is in Ada 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 Ada County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Star apart

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

  1. Star has the highest typical rent of the 36 cities in Idaho with more than 5,000 people: $1,924.

  2. Nearby, in Middleton, the typical rent is $1,147: 40% less than in Star ($1,924).

  3. Nearby, in Caldwell, the typical home value is $367,300: 35% less than in Star ($564,300).

  4. Star has the 3rd highest typical household income of the 36 cities in Idaho with more than 5,000 people ($97,936).

  5. Star has the 3rd highest typical home value of the 36 cities in Idaho with more than 5,000 people ($564,300).

  6. 81% of households in Star own their home, against 71% in Ada County.

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

The homes here

Housing in Star

What homes there are in Star, 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 rules in Star: 90% of homes, more than in Ada County (74%).

Year built

The typical home in Star was built in 2011, 14 years after the typical one in Ada County.

Homes in Star are bigger: 91% have 3 bedrooms or more; in Ada County, 73%.

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

$1,962 a month

Ada County: $1,905 a month

Without a mortgage

$612 a month

Ada County: $546 a month

Owners with a mortgage

71%

Ada County: 67%

Owning costs about the same in Star as in Ada County: with a mortgage, $1,962 a month; without one, $612.

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 Star rose 99%; in Ada County, it rose 89%.

Since 2015–2019, the typical rent in Star rose 68%, more than in Ada County (59%).

The typical household income in Star rose 50%: less than home values (+99%) and rent (+68%).

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

MeasureStarAda CountyIdahoUnited States
Rental vacancy Unreliable estimate4.1%3.9%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room Unreliable estimate2.0%3.1%3.4%
People per household 2.802.492.642.53
Drive alone 66%69%73%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 21%19%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Star are bigger: 2.80 people on average; in Ada County, 2.49.

In Star, 66% of workers drive alone to work; in Ada County, 69%.

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 Star?

A typical home costs more than the typical income allows

We start with a typical home in Star, worth $564,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Star, which is $97,936 a year. For that payment to be 28% of income, a household would need to earn about $190,708 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Star. 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 $19,751 (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

$4,450

at 7.18% · 30 years

Loan amount
$554,079
Total interest
$797,189
Paid off in
November 2056

Includes $9,530 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,285 a month

  • Tight

    $2,285 to $2,938 a month

  • Hard

    more than $2,938 a month

    Your payment · 55%

Compared with the typical household income in Star ($97,936 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,450
Principal & interest$3,754
Property tax$212
Home insurance$235
FHA mortgage insurance (MIP)$250

You need at least $19,751 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

Star and Ada County

Star is in Ada 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).

Star's own numbers

Typical home value
$564,300
Typical monthly rent
$1,924
Typical yearly household income
$97,936
Households that own their home
81%
Effective property tax rate
0.45%

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

Numbers for all of Ada 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)
+48%
Homes in a high flood-risk zone
2.4%

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 Ada County.

Everything about Ada County

Buying

Buying a home in Star

A typical home in Star is worth $564,300: 10% above the county and 35% above Idaho. With the typical household income in Star ($97,936 a year), a typical home costs 5.8 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.

  • Star 5.8 years
  • Ada 5.6 years
  • Idaho 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ada County

According to FHFA’s house price index, home prices in Ada County rose 152% in the 10 years through 2025.

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

Period County Idaho U.S.
Last year (2025) +2.7% +2.3% +2.9%
5 years (2020–2025) +48% +57% +47%
10 years (2015–2025) +152% +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

Star next to Ada 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
  • Star $564,300
  • Ada $512,300
  • Idaho $418,600
  • United States $332,700
Typical monthly rent
  • Star $1,924
  • Ada $1,577
  • Idaho $1,238
  • United States $1,413
Typical yearly household income
  • Star $97,936
  • Ada $91,502
  • Idaho $77,800
  • United States $80,734
See the full table
Star next to Ada County and Idaho
Measure Star Ada County Idaho U.S.
Typical home value $564,300 $512,300 $418,600 $332,700
Typical monthly rent $1,924 $1,577 $1,238 $1,413
Typical yearly household income $97,936 $91,502 $77,800 $80,734
Households that own their home 81% 71% 72% 65%
Typical yearly property tax $2,512 $2,655 $2,038 $3,119
Effective property tax rate 0.45% 0.52% 0.49% 0.94%

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

For a typical $564,300 home in Star, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Star's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,450a month

    Least cash to close
    Down payment
    $19,751
    Cash to close
    $36,680
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $250

  • Conventional, 5% down $4,346a month

    Down payment
    $28,215
    Cash to close
    $45,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $268

  • Conventional, 20% down, no PMI $3,505a month

    Down payment
    $112,860
    Cash to close
    $129,789
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,027a month

    Down payment
    $84,645
    Cash to close
    $101,574
    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 Star and for Ada County.

Property tax

Effective rate in Star

0.45%of the home’s value each year

$2,512 a year for the typical owner in Star.

  • Star 0.45%
  • Ada 0.52%
  • Idaho 0.49%

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

Exemptions and deadlines in Idaho

Flood risk in Ada County

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

Homes in the high-risk zone
2.4%
3,840
Of those, with NFIP insurance
25%
County Idaho U.S.
Homes in the high-risk zone 2.4% 2% 3.5%
Of those, with NFIP insurance 25% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Star

Typical rent in Star is $1,924 a month: 22% above the county.

HUD publishes a fair market rent for all of Ada 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.

HUD fair market rent for all of Ada 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 $1,152 $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 Star

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Star is in ZIP code 83669.

For 2 bedrooms it is $1,840: $300 more than the fair market rent for Ada County ($1,540).

  • 83669 $1,840$2,550

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

HUD lists one building with rents for lower incomes in Star.

  • Moon Valley 142 S Sunlight Ave, Star 83669 37 homes, 32 low-income · 1 bd: 8 · 2 bd: 20 · 3 bd: 9 · In service since 2017 · For families

See all 58 buildings in Ada County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Star

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.

There are 5 HUD-approved agencies with an office in Ada County; 3 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Star

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

Which programs do I qualify for? All programs in Idaho

Housing counselors near Star

The HUD-approved agencies closest to the center of Star, 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 · 9 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 · 15 miles away

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

  • Jesse Tree

    1121 W Miller St, Boise · 16 miles away

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

Every agency in Ada County All counseling agencies in Idaho

Help in Spanish near Star

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 Star

HUD’s record names them for Star or Ada County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Ada County Housing Authority Public housing and Section 8 vouchers (208) 345-4907

2 other authorities have an office in Ada County: see the list Source: HUD

Cities

Other cities in Ada County

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

Everything about Ada County Housing in Idaho

Nearby cities

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

Neighboring counties

If Ada 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 Star.

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

Questions

Housing questions about Star

Short answers with the numbers for Star and all of Ada 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 Star?

The typical home value in Star is $564,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ada County it is $512,300.

How much does it cost to rent in Star?

Typical rent in Star is $1,924 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ada County is $1,540.

What is the FHA loan limit in Star?

Star uses the FHA limit for all of Ada 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 Star?

The typical homeowner in Star pays $2,512 a year, according to the U.S. Census Bureau. That is 0.45% of the home’s value; in Ada County, the rate is 0.52%.

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

There are 5 HUD-approved counseling agencies with an office in Ada County. 3 say they serve in Spanish. 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).