The typical owner-occupied home in Owyhee County is worth about $359,800, 14% below the Idaho median of $418,600 and 8% above the national median of $332,700. Owners pay a median $1,432 a year in property taxes, about 0.40% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $64,406 a year, so the median home costs 5.6 times the median income (5.4 times for Idaho). 73% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Owyhee County at a glance
| Owyhee County | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $359,800 | $418,600 | $332,700 |
| Median property tax paid per year | $1,432 | $2,038 | $3,119 |
| Property tax as a share of value | 0.40% | 0.49% | 0.94% |
| Median household income | $64,406 | $77,800 | $80,734 |
| Homes lived in by their owners | 73% | 72% | 65% |
| Owner homes with a mortgage | 54% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,606 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 24.2% | 20.7% | 21.0% |
| Median rent | $821 | $1,238 | $1,413 |
| Rent as a share of renters' income | 23.9% | 28.7% | 30.6% |
| Median year homes were built | 1984 | 1991 | 1980 |
| Vacant homes | 10.9% | 10.3% | 10.1% |
| Population | 12,503 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Owyhee County
At this week's average 30-year rate of 7.11%, buying the median Owyhee County home of $359,800 with 20% down costs about $2,206 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,806, 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 $94,550 for the 20%-down payment. That payment is 41% of the median Owyhee County household income of $64,406; at that income and 20% down, the 28% guideline points to a home of about $245,000.
The median rent here is $821 a month, so owning the median home costs about $1,385 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $71,960 |
|---|---|
| Loan amount | $287,840 |
| Principal and interest | $1,936 |
| Property taxes (0.40% a year) | $120 |
| Homeowners insurance (our estimate, 0.5% a year) | $150 |
| PMI | $0 |
| Total per month | $2,206 |
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| Down payment | $12,593 |
|---|---|
| Loan amount | $353,283 |
| Principal and interest | $2,377 |
| Property taxes (0.40% a year) | $120 |
| Homeowners insurance (our estimate, 0.5% a year) | $150 |
| FHA mortgage insurance | $159 |
| Total per month | $2,806 |
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Questions about home buying in Owyhee County
What is the median home value in Owyhee County?
About $359,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Owyhee County?
Homeowners pay a median $1,432 a year, which is about 0.40% 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 Owyhee County?
For the median home with 20% down at 7.11%, the payment is about $2,206 a month. Keeping that under 28% of gross income takes about $94,550 a year.
More about Owyhee County
- Mortgage Refinance in Owyhee County
- Debt Relief in Owyhee County
- Home Equity Loans in Owyhee 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