The typical owner-occupied home in Boise County is worth about $476,100, 14% above the Idaho median of $418,600 and 43% above the national median of $332,700. Owners pay a median $1,611 a year in property taxes, about 0.34% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $78,774 a year, so the median home costs 6.0 times the median income (5.4 times for Idaho). 90% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Boise County at a glance
| Boise County | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $476,100 | $418,600 | $332,700 |
| Median property tax paid per year | $1,611 | $2,038 | $3,119 |
| Property tax as a share of value | 0.34% | 0.49% | 0.94% |
| Median household income | $78,774 | $77,800 | $80,734 |
| Homes lived in by their owners | 90% | 72% | 65% |
| Owner homes with a mortgage | 53% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,754 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 23.0% | 20.7% | 21.0% |
| Median rent | $850 | $1,238 | $1,413 |
| Rent as a share of renters' income | 25.7% | 28.7% | 30.6% |
| Median year homes were built | 1991 | 1991 | 1980 |
| Vacant homes | 36.8% | 10.3% | 10.1% |
| Population | 8,273 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Boise County
At this week's average 30-year rate of 7.11%, buying the median Boise County home of $476,100 with 20% down costs about $2,895 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,689, 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 $124,092 for the 20%-down payment. That payment is 44% of the median Boise County household income of $78,774; at that income and 20% down, the 28% guideline points to a home of about $302,000.
The median rent here is $850 a month, so owning the median home costs about $2,045 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $95,220 |
|---|---|
| Loan amount | $380,880 |
| Principal and interest | $2,562 |
| Property taxes (0.34% a year) | $135 |
| Homeowners insurance (our estimate, 0.5% a year) | $198 |
| PMI | $0 |
| Total per month | $2,895 |
Change the numbers in the calculator
| Down payment | $16,664 |
|---|---|
| Loan amount | $467,477 |
| Principal and interest | $3,145 |
| Property taxes (0.34% a year) | $135 |
| Homeowners insurance (our estimate, 0.5% a year) | $198 |
| FHA mortgage insurance | $211 |
| Total per month | $3,689 |
Change the numbers in the calculator
Questions about home buying in Boise County
What is the median home value in Boise County?
About $476,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Boise County?
Homeowners pay a median $1,611 a year, which is about 0.34% 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 Boise County?
For the median home with 20% down at 7.11%, the payment is about $2,895 a month. Keeping that under 28% of gross income takes about $124,092 a year.
More about Boise County
- Mortgage Refinance in Boise County
- Debt Relief in Boise County
- Home Equity Loans in Boise 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