TrueAffordHome Affordability by State
What can you afford in Idaho?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Idaho's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Idaho's effective property tax rate is around 0.50% of home value per year — the 7th lowest in the country. Average homeowner's insurance runs near $1,728/year on a $300,000 home — the 17th lowest.
Comfortable
$264,508
Stretch
$329,458
Risky ceiling
$370,841
A lender would likely approve up to $370,841 on this baseline in Idaho — but this household's own budget, once real expenses are counted, can only sustain $329,458. That $41,383 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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