The typical owner-occupied home in Rupert is worth about $205,200, 51% below the Idaho median of $418,600 and 38% below the national median of $332,700. Owners pay a median $992 a year in property taxes, about 0.48% of their home's value, close to the Idaho rate of 0.49%. The median household earns $54,741 a year, so the median home costs 3.7 times the median income (5.4 times for Idaho). 64% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Rupert at a glance
| Rupert | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $205,200 | $418,600 | $332,700 |
| Median property tax paid per year | $992 | $2,038 | $3,119 |
| Property tax as a share of value | 0.48% | 0.49% | 0.94% |
| Median household income | $54,741 | $77,800 | $80,734 |
| Homes lived in by their owners | 64% | 72% | 65% |
| Owner homes with a mortgage | 68% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,346 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 23.7% | 20.7% | 21.0% |
| Median rent | $856 | $1,238 | $1,413 |
| Rent as a share of renters' income | 29.9% | 28.7% | 30.6% |
| Median year homes were built | 1971 | 1991 | 1980 |
| Vacant homes | 4.0% | 10.3% | 10.1% |
| Population | 6,190 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Rupert
At this week's average 30-year rate of 7.11%, buying the median Rupert home of $205,200 with 20% down costs about $1,272 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,614, 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 $54,510 for the 20%-down payment. That payment is 28% of the median Rupert household income of $54,741; at that income and 20% down, the 28% guideline points to a home of about $206,000.
The median rent here is $856 a month, so owning the median home costs about $416 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $41,040 |
|---|---|
| Loan amount | $164,160 |
| Principal and interest | $1,104 |
| Property taxes (0.48% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| PMI | $0 |
| Total per month | $1,272 |
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| Down payment | $7,182 |
|---|---|
| Loan amount | $201,483 |
| Principal and interest | $1,355 |
| Property taxes (0.48% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| FHA mortgage insurance | $91 |
| Total per month | $1,614 |
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Questions about home buying in Rupert
What is the median home value in Rupert?
About $205,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rupert?
Homeowners pay a median $992 a year, which is about 0.48% 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 Rupert?
For the median home with 20% down at 7.11%, the payment is about $1,272 a month. Keeping that under 28% of gross income takes about $54,510 a year.
More about Rupert
- Mortgage Refinance in Rupert
- Debt Relief in Rupert
- Home Equity Loans in Rupert
- 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