Total monthly cost of ownership
Cost to Own a Home in Coeur d'Alene, Idaho
A $452,000 home here costs
$3,144per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,324. The real number is $820 higher every month — 35% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Coeur d'Alene against Kootenai County and Idaho
| Measure | Coeur d'Alene | Kootenai County |
|---|---|---|
| Median home value | $451,600 | $467,400 |
| Median property tax | $2,122 | $2,203 |
| Effective tax rate | 0.470% | 0.471% |
| Median gross rent | $1,328 | $1,330 |
| Population | 55,558 | 177,736 |
The weather behind that power bill
Coeur d'Alene sits in Kootenai County, which averages a high of 83.0°F in its hottest month and a low of 26.2°F in its coldest, with 25.36" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 436 cooling and 6,317 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Kootenai County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kootenai County
Common questions
How much does it cost to own a home in Coeur d'Alene?
A $452,000 home in Coeur d'Alene, Idaho costs approximately $3,144 per month with 20% down at 6.66%. That is $2,324 principal and interest, $177 property tax, $88 homeowners insurance, $179 utilities and $377 set aside for maintenance.
What is the property tax rate in Coeur d'Alene?
Coeur d'Alene has an effective property tax rate of 0.470%, based on a median home value of $451,600 and median real estate taxes of $2,122. That is in line with the Kootenai County average of 0.471%.
What is the average home price in Coeur d'Alene?
The median owner-occupied home value in Coeur d'Alene, Idaho is $451,600, against $467,400 across Kootenai County.
Is it cheaper to rent or buy in Coeur d'Alene?
Median gross rent in Coeur d'Alene is $1,328 a month, against $3,144 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Coeur d'Alene — 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.