Idaho Mortgage Calculator
Calculate your monthly payment in Idaho, with property tax included using the state's effective rate of 0.49%. See your full amortization schedule and analyze your loan structure.
Pick a state to use its property tax rate. With a keyboard, use the arrow keys and press Enter.
Estimated Monthly Payment
Estimates only. Does not include homeowners insurance, mortgage insurance (PMI), or HOA fees. Property tax uses the state's average effective rate and your actual bill may differ.
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| 1 | $3,577 | $20,695 | $316,423 |
| 2 | $3,816 | $20,455 | $312,607 |
| 3 | $4,072 | $20,200 | $308,535 |
| 4 | $4,345 | $19,927 | $304,191 |
| 5 | $4,636 | $19,636 | $299,555 |
| 6 | $4,946 | $19,325 | $294,609 |
| 7 | $5,277 | $18,994 | $289,332 |
| 8 | $5,631 | $18,641 | $283,701 |
| 9 | $6,008 | $18,264 | $277,694 |
| 10 | $6,410 | $17,861 | $271,284 |
| 11 | $6,839 | $17,432 | $264,444 |
| 12 | $7,297 | $16,974 | $257,147 |
| 13 | $7,786 | $16,485 | $249,361 |
| 14 | $8,308 | $15,964 | $241,053 |
| 15 | $8,864 | $15,407 | $232,189 |
| 16 | $9,458 | $14,814 | $222,732 |
| 17 | $10,091 | $14,180 | $212,641 |
| 18 | $10,767 | $13,505 | $201,874 |
| 19 | $11,488 | $12,784 | $190,386 |
| 20 | $12,257 | $12,014 | $178,129 |
| 21 | $13,078 | $11,193 | $165,051 |
| 22 | $13,954 | $10,317 | $151,097 |
| 23 | $14,888 | $9,383 | $136,208 |
| 24 | $15,886 | $8,386 | $120,323 |
| 25 | $16,949 | $7,322 | $103,373 |
| 26 | $18,085 | $6,187 | $85,289 |
| 27 | $19,296 | $4,976 | $65,993 |
| 28 | $20,588 | $3,683 | $45,405 |
| 29 | $21,967 | $2,305 | $23,438 |
| 30 | $23,438 | $833 | $0 |
Property tax in Idaho: the numbers
Compared with the 0.92% national average, Idaho's effective property tax rate of 0.49% is well below the mark (47% lower). By rate, Idaho ranks 44th out of 50 when states are ordered from highest rate to lowest.
The median home value in Idaho is $418,600, and the median annual property tax bill is $2,038. Spread over twelve months, that is about $170 a month in property tax for a median-priced home.
| Effective property tax rate | 0.49% |
|---|---|
| Median home value | $418,600 |
| Median annual property tax | $2,038 |
| Rank by rate (1 = highest of 50) | 44 |
| Difference vs 0.92% national average | 0.43 points below (47% below) |
What this means for your monthly payment
Two worked examples for Idaho, using the figures above:
Example 1: the median home
$2,038 per year ÷ 12 = about $170 per month in property tax (median home value: $418,600).
Example 2: a $300,000 home
$300,000 × 0.49% ÷ 12 = about $123 per month, or $1,470 per year.
At the 0.92% national average rate, a $300,000 home would have about $2,760 in property tax per year. In Idaho it is about $1,470, which is $1,290 less per year (about $107 less per month).
Compare with similar states
States ranked just above and just below Idaho by effective property tax rate (1 = highest). States with the same rate are ordered by median annual tax.
Ranked just above (higher rate)
- Arkansas — 0.55% (rank 38)
- West Virginia — 0.53% (rank 40)
- Utah — 0.52% (rank 41)
- Delaware — 0.50% (rank 42)
- Tennessee — 0.50% (rank 42)
Ranked just below (lower rate)
- Colorado — 0.48% (rank 45)
- Arizona — 0.48% (rank 45)
- South Carolina — 0.48% (rank 45)
- Nevada — 0.47% (rank 48)
- Alabama — 0.38% (rank 49)
Idaho property tax FAQ
What is the property tax rate in Idaho?
The effective property tax rate in Idaho is 0.49%. That is 47% below the 0.92% national average, and the state ranks 44th out of 50 when states are ordered from highest rate to lowest.
How much is property tax on a $300,000 home in Idaho?
At Idaho's effective rate of 0.49%, property tax on a $300,000 home works out to about $1,470 per year, or about $123 per month. At the 0.92% national average, the same home would be about $2,760 per year, so Idaho is about $1,290 less per year.
How much is property tax on the median home in Idaho?
The median home value in Idaho is $418,600, and the median annual property tax is $2,038, which is about $170 per month.
Does the property tax rate vary inside Idaho?
Yes. Property taxes are set locally, so actual bills depend on your county, city, and exemptions. The 0.49% figure is a state-level estimate based on medians, not a rate that applies to every home.
Figures are estimates based on Census data and are not tax or financial advice. Actual bills depend on your local rates, assessed value and exemptions.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, as compiled by PropertyShark and PropertyTaxByState.