The typical owner-occupied home in Dayton is worth about $308,300, 26% below the Idaho median of $418,600 and 7% below the national median of $332,700. Owners pay a median $1,313 a year in property taxes, about 0.43% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $82,083 a year, so the median home costs 3.8 times the median income (5.4 times for Idaho). 94% of occupied homes here are lived in by their owners, and 57% of those owners still have a mortgage.
Dayton at a glance
| Dayton | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $308,300 | $418,600 | $332,700 |
| Median property tax paid per year | $1,313 | $2,038 | $3,119 |
| Property tax as a share of value | 0.43% | 0.49% | 0.94% |
| Median household income | $82,083 | $77,800 | $80,734 |
| Homes lived in by their owners | 94% | 72% | 65% |
| Owner homes with a mortgage | 57% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,375 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 18.8% | 20.7% | 21.0% |
| Median rent | – | $1,238 | $1,413 |
| Rent as a share of renters' income | 17.5% | 28.7% | 30.6% |
| Median year homes were built | 1979 | 1991 | 1980 |
| Vacant homes | 3.6% | 10.3% | 10.1% |
| Population | 500 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Dayton
At this week's average 30-year rate of 7.11%, buying the median Dayton home of $308,300 with 20% down costs about $1,898 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,412, 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 $81,347 for the 20%-down payment. That payment is 28% of the median Dayton household income of $82,083; at that income and 20% down, the 28% guideline points to a home of about $311,000.
| Down payment | $61,660 |
|---|---|
| Loan amount | $246,640 |
| Principal and interest | $1,659 |
| Property taxes (0.43% a year) | $110 |
| Homeowners insurance (our estimate, 0.5% a year) | $128 |
| PMI | $0 |
| Total per month | $1,898 |
Change the numbers in the calculator
| Down payment | $10,790 |
|---|---|
| Loan amount | $302,716 |
| Principal and interest | $2,036 |
| Property taxes (0.43% a year) | $110 |
| Homeowners insurance (our estimate, 0.5% a year) | $128 |
| FHA mortgage insurance | $136 |
| Total per month | $2,412 |
Change the numbers in the calculator
Questions about home buying in Dayton
What is the median home value in Dayton?
About $308,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Dayton?
Homeowners pay a median $1,313 a year, which is about 0.43% 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 Dayton?
For the median home with 20% down at 7.11%, the payment is about $1,898 a month. Keeping that under 28% of gross income takes about $81,347 a year.
More about Dayton
- Mortgage Refinance in Dayton
- Debt Relief in Dayton
- Home Equity Loans in Dayton
- 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