The typical owner-occupied home in Adams County is worth about $376,500, 10% below the Idaho median of $418,600 and 13% above the national median of $332,700. Owners pay a median $1,359 a year in property taxes, about 0.36% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $61,808 a year, so the median home costs 6.1 times the median income (5.4 times for Idaho). 85% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Adams County at a glance
| Adams County | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $376,500 | $418,600 | $332,700 |
| Median property tax paid per year | $1,359 | $2,038 | $3,119 |
| Property tax as a share of value | 0.36% | 0.49% | 0.94% |
| Median household income | $61,808 | $77,800 | $80,734 |
| Homes lived in by their owners | 85% | 72% | 65% |
| Owner homes with a mortgage | 45% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,509 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 20.8% | 20.7% | 21.0% |
| Median rent | $830 | $1,238 | $1,413 |
| Rent as a share of renters' income | 32.3% | 28.7% | 30.6% |
| Median year homes were built | 1986 | 1991 | 1980 |
| Vacant homes | 33.6% | 10.3% | 10.1% |
| Population | 4,744 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Adams County
At this week's average 30-year rate of 7.11%, buying the median Adams County home of $376,500 with 20% down costs about $2,296 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,923, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $98,401 for the 20%-down payment. That payment is 45% of the median Adams County household income of $61,808; at that income and 20% down, the 28% guideline points to a home of about $236,000.
The median rent here is $830 a month, so owning the median home costs about $1,466 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $75,300 |
|---|---|
| Loan amount | $301,200 |
| Principal and interest | $2,026 |
| Property taxes (0.36% a year) | $113 |
| Homeowners insurance (our estimate, 0.5% a year) | $157 |
| PMI | $0 |
| Total per month | $2,296 |
Change the numbers in the calculator
| Down payment | $13,178 |
|---|---|
| Loan amount | $369,681 |
| Principal and interest | $2,487 |
| Property taxes (0.36% a year) | $113 |
| Homeowners insurance (our estimate, 0.5% a year) | $157 |
| FHA mortgage insurance | $167 |
| Total per month | $2,923 |
Change the numbers in the calculator
Questions about home buying in Adams County
What is the median home value in Adams County?
About $376,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Adams County?
Homeowners pay a median $1,359 a year, which is about 0.36% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Adams County?
For the median home with 20% down at 7.11%, the payment is about $2,296 a month. Keeping that under 28% of gross income takes about $98,401 a year.
More about Adams County
- Mortgage Refinance in Adams County
- Debt Relief in Adams County
- Home Equity Loans in Adams County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data