Total monthly cost of ownership
Cost to Own a Home in Filer, Idaho
A $224,000 home here costs
$1,718per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,152. The real number is $566 higher every month — 49% 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.
Filer against Twin Falls County and Idaho
| Measure | Filer | Twin Falls County |
|---|---|---|
| Median home value | $224,400 | $292,700 |
| Median property tax | $1,887 | $1,951 |
| Effective tax rate | 0.841% | 0.667% |
| Median gross rent | $1,127 | $1,011 |
| Population | 2,837 | 92,121 |
The weather behind that power bill
Filer sits in Twin Falls County, which averages a high of 88.4°F in its hottest month and a low of 20.1°F in its coldest, with 10.28" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 617 cooling and 6,387 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Twin Falls County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Twin Falls County
Full Twin Falls County cost breakdown · Every county in Idaho
Common questions
How much does it cost to own a home in Filer?
A $224,000 home in Filer, Idaho costs approximately $1,718 per month with 20% down at 6.66%. That is $1,152 principal and interest, $157 property tax, $43 homeowners insurance, $179 utilities and $187 set aside for maintenance.
What is the property tax rate in Filer?
Filer has an effective property tax rate of 0.841%, based on a median home value of $224,400 and median real estate taxes of $1,887. That is higher than the Twin Falls County average of 0.667%.
What is the average home price in Filer?
The median owner-occupied home value in Filer, Idaho is $224,400, against $292,700 across Twin Falls County.
Is it cheaper to rent or buy in Filer?
Median gross rent in Filer is $1,127 a month, against $1,718 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 Filer — 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.