The typical owner-occupied home in Swan Valley is worth about $672,400, 61% above the Idaho median of $418,600 and 2.0 times the national median of $332,700. 91% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Swan Valley at a glance
| Swan Valley | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $672,400 | $418,600 | $332,700 |
| Median property tax paid per year | – | $2,038 | $3,119 |
| Median household income | – | $77,800 | $80,734 |
| Homes lived in by their owners | 91% | 72% | 65% |
| Owner homes with a mortgage | 71% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,681 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 24.5% | 20.7% | 21.0% |
| Median rent | – | $1,238 | $1,413 |
| Median year homes were built | 1988 | 1991 | 1980 |
| Vacant homes | 36.9% | 10.3% | 10.1% |
| Population | 281 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Swan Valley
At this week's average 30-year rate of 7.11%, buying the median Swan Valley home of $672,400 with 20% down costs about $4,515 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,635, 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 $193,506 for the 20%-down payment.
| Down payment | $134,480 |
|---|---|
| Loan amount | $537,920 |
| Principal and interest | $3,619 |
| Property taxes (1.10% a year) | $616 |
| Homeowners insurance (our estimate, 0.5% a year) | $280 |
| PMI | $0 |
| Total per month | $4,515 |
Change the numbers in the calculator
| Down payment | $23,534 |
|---|---|
| Loan amount | $660,221 |
| Principal and interest | $4,441 |
| Property taxes (1.10% a year) | $616 |
| Homeowners insurance (our estimate, 0.5% a year) | $280 |
| FHA mortgage insurance | $297 |
| Total per month | $5,635 |
Change the numbers in the calculator
Questions about home buying in Swan Valley
What is the median home value in Swan Valley?
About $672,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Swan Valley?
For the median home with 20% down at 7.11%, the payment is about $4,515 a month. Keeping that under 28% of gross income takes about $193,506 a year.
More about Swan Valley
- Mortgage Refinance in Swan Valley
- Debt Relief in Swan Valley
- Home Equity Loans in Swan Valley
- 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