The typical owner-occupied home in Custer County is worth about $381,700, 9% below the Idaho median of $418,600 and 15% above the national median of $332,700. Owners pay a median $1,112 a year in property taxes, about 0.29% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $67,574 a year, so the median home costs 5.6 times the median income (5.4 times for Idaho). 77% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Custer County at a glance
| Custer County | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $381,700 | $418,600 | $332,700 |
| Median property tax paid per year | $1,112 | $2,038 | $3,119 |
| Property tax as a share of value | 0.29% | 0.49% | 0.94% |
| Median household income | $67,574 | $77,800 | $80,734 |
| Homes lived in by their owners | 77% | 72% | 65% |
| Owner homes with a mortgage | 39% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,500 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 20.5% | 20.7% | 21.0% |
| Median rent | $691 | $1,238 | $1,413 |
| Rent as a share of renters' income | 26.8% | 28.7% | 30.6% |
| Median year homes were built | 1986 | 1991 | 1980 |
| Vacant homes | 38.1% | 10.3% | 10.1% |
| Population | 4,470 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Custer County
At this week's average 30-year rate of 7.11%, buying the median Custer County home of $381,700 with 20% down costs about $2,305 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,941, 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 $98,806 for the 20%-down payment. That payment is 41% of the median Custer County household income of $67,574; at that income and 20% down, the 28% guideline points to a home of about $261,000.
The median rent here is $691 a month, so owning the median home costs about $1,614 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $76,340 |
|---|---|
| Loan amount | $305,360 |
| Principal and interest | $2,054 |
| Property taxes (0.29% a year) | $92 |
| Homeowners insurance (our estimate, 0.5% a year) | $159 |
| PMI | $0 |
| Total per month | $2,305 |
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| Down payment | $13,360 |
|---|---|
| Loan amount | $374,786 |
| Principal and interest | $2,521 |
| Property taxes (0.29% a year) | $92 |
| Homeowners insurance (our estimate, 0.5% a year) | $159 |
| FHA mortgage insurance | $169 |
| Total per month | $2,941 |
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Questions about home buying in Custer County
What is the median home value in Custer County?
About $381,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Custer County?
Homeowners pay a median $1,112 a year, which is about 0.29% 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 Custer County?
For the median home with 20% down at 7.11%, the payment is about $2,305 a month. Keeping that under 28% of gross income takes about $98,806 a year.
More about Custer County
- Mortgage Refinance in Custer County
- Debt Relief in Custer County
- Home Equity Loans in Custer 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