The typical owner-occupied home in Nez Perce County is worth about $334,700, 20% below the Idaho median of $418,600 and about the same as the national median of $332,700. Owners pay a median $2,609 a year in property taxes, about 0.78% of their home's value, higher than the Idaho rate of 0.49%. The median household earns $72,599 a year, so the median home costs 4.6 times the median income (5.4 times for Idaho). 70% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Nez Perce County at a glance
| Nez Perce County | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $334,700 | $418,600 | $332,700 |
| Median property tax paid per year | $2,609 | $2,038 | $3,119 |
| Property tax as a share of value | 0.78% | 0.49% | 0.94% |
| Median household income | $72,599 | $77,800 | $80,734 |
| Homes lived in by their owners | 70% | 72% | 65% |
| Owner homes with a mortgage | 58% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,664 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 20.4% | 20.7% | 21.0% |
| Median rent | $1,015 | $1,238 | $1,413 |
| Rent as a share of renters' income | 27.8% | 28.7% | 30.6% |
| Median year homes were built | 1973 | 1991 | 1980 |
| Vacant homes | 7.0% | 10.3% | 10.1% |
| Population | 42,697 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Nez Perce County
At this week's average 30-year rate of 7.11%, buying the median Nez Perce County home of $334,700 with 20% down costs about $2,158 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,716, 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 $92,496 for the 20%-down payment. That payment is 36% of the median Nez Perce County household income of $72,599; at that income and 20% down, the 28% guideline points to a home of about $263,000.
The median rent here is $1,015 a month, so owning the median home costs about $1,143 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $66,940 |
|---|---|
| Loan amount | $267,760 |
| Principal and interest | $1,801 |
| Property taxes (0.78% a year) | $218 |
| Homeowners insurance (our estimate, 0.5% a year) | $139 |
| PMI | $0 |
| Total per month | $2,158 |
Change the numbers in the calculator
| Down payment | $11,714 |
|---|---|
| Loan amount | $328,638 |
| Principal and interest | $2,211 |
| Property taxes (0.78% a year) | $218 |
| Homeowners insurance (our estimate, 0.5% a year) | $139 |
| FHA mortgage insurance | $148 |
| Total per month | $2,716 |
Change the numbers in the calculator
Questions about home buying in Nez Perce County
What is the median home value in Nez Perce County?
About $334,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Nez Perce County?
Homeowners pay a median $2,609 a year, which is about 0.78% 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 Nez Perce County?
For the median home with 20% down at 7.11%, the payment is about $2,158 a month. Keeping that under 28% of gross income takes about $92,496 a year.
More about Nez Perce County
- Mortgage Refinance in Nez Perce County
- Debt Relief in Nez Perce County
- Home Equity Loans in Nez Perce 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