Total monthly cost of ownership
Cost to Own a Home in Ammon, Idaho
A $337,000 home here costs
$2,556per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $109,500 a year.
A standard mortgage calculator would have told you $1,852. The real number is $704 higher every month, 38% more than the payment most buyers budget for.
Compare Bonneville County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ammon against Bonneville County and Idaho
| Measure | Ammon | Bonneville County |
|---|---|---|
| Median home value | $336,500 | $327,000 |
| Median property tax | $1,955 | $1,811 |
| Effective tax rate | 0.581% | 0.554% |
| Median gross rent | $1,175 | $1,054 |
| Population | 18,496 | 127,056 |
The weather behind that power bill
Ammon sits in Bonneville County, which averages a high of 80.9°F in its hottest month and a low of 13.2°F in its coldest, with 17.32" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 136 cooling and 8,450 heating degree days, which is what sets the $126 electricity line above.
See the full climate breakdown for Bonneville County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bonneville County
Full Bonneville County cost breakdown · Every county in Idaho
Talk to someone who works this market
These are Ammon averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Ammon every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Ammon?
A $337,000 home in Ammon, Idaho costs approximately $2,556 per month with 20% down at 7.32%. That is $1,852 principal and interest, $163 property tax, $65 homeowners insurance, $194 utilities and $281 set aside for maintenance.
What is the property tax rate in Ammon?
Ammon has an effective property tax rate of 0.581%, based on a median home value of $336,500 and median real estate taxes of $1,955. That is higher than the Bonneville County average of 0.554%.
What is the average home price in Ammon?
The median owner-occupied home value in Ammon, Idaho is $336,500, against $327,000 across Bonneville County.
Is it cheaper to rent or buy in Ammon?
Median gross rent in Ammon is $1,175 a month, against $2,556 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Ammon?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ammon, Idaho at today's rate takes a household income of roughly $109,500 a year. That covers the full $2,556 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ammon, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Idaho.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.