The typical owner-occupied home in McCall is worth about $676,500, 62% above the Idaho median of $418,600 and 2.0 times the national median of $332,700. Owners pay a median $2,813 a year in property taxes, about 0.42% of their home's value, lower than the Idaho rate of 0.49%. The median household earns $60,253 a year, so the median home costs 11.2 times the median income (5.4 times for Idaho). 71% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
McCall at a glance
| McCall | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $676,500 | $418,600 | $332,700 |
| Median property tax paid per year | $2,813 | $2,038 | $3,119 |
| Property tax as a share of value | 0.42% | 0.49% | 0.94% |
| Median household income | $60,253 | $77,800 | $80,734 |
| Homes lived in by their owners | 71% | 72% | 65% |
| Owner homes with a mortgage | 58% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $2,488 | $1,687 | $1,963 |
| Those costs as a share of the owners' income | 34.2% | 20.7% | 21.0% |
| Median rent | $1,134 | $1,238 | $1,413 |
| Rent as a share of renters' income | 26.5% | 28.7% | 30.6% |
| Median year homes were built | 1992 | 1991 | 1980 |
| Vacant homes | 63.3% | 10.3% | 10.1% |
| Population | 3,946 | 1,934,262 | 334,922,499 |
What a typical home costs per month in McCall
At this week's average 30-year rate of 7.11%, buying the median McCall home of $676,500 with 20% down costs about $4,159 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,286, 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 $178,257 for the 20%-down payment. That payment is 83% of the median McCall household income of $60,253; at that income and 20% down, the 28% guideline points to a home of about $229,000.
The median rent here is $1,134 a month, so owning the median home costs about $3,025 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $135,300 |
|---|---|
| Loan amount | $541,200 |
| Principal and interest | $3,641 |
| Property taxes (0.42% a year) | $237 |
| Homeowners insurance (our estimate, 0.5% a year) | $282 |
| PMI | $0 |
| Total per month | $4,159 |
Change the numbers in the calculator
| Down payment | $23,678 |
|---|---|
| Loan amount | $664,247 |
| Principal and interest | $4,468 |
| Property taxes (0.42% a year) | $237 |
| Homeowners insurance (our estimate, 0.5% a year) | $282 |
| FHA mortgage insurance | $299 |
| Total per month | $5,286 |
Change the numbers in the calculator
Questions about home buying in McCall
What is the median home value in McCall?
About $676,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in McCall?
Homeowners pay a median $2,813 a year, which is about 0.42% 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 McCall?
For the median home with 20% down at 7.11%, the payment is about $4,159 a month. Keeping that under 28% of gross income takes about $178,257 a year.
More about McCall
- Mortgage Refinance in McCall
- Debt Relief in McCall
- Home Equity Loans in McCall
- 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