Total monthly cost of ownership
Cost to Own a Home in Fruitland, Idaho
A $286,000 home here costs
$2,050per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,470. The real number is $580 higher every month — 39% 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.
Fruitland against Payette County and Idaho
| Measure | Fruitland | Payette County |
|---|---|---|
| Median home value | $286,300 | $310,700 |
| Median property tax | $1,289 | $1,353 |
| Effective tax rate | 0.450% | 0.435% |
| Median gross rent | $950 | $874 |
| Population | 6,405 | 26,190 |
The weather behind that power bill
Fruitland sits in Payette County, which averages a high of 95.1°F in its hottest month and a low of 24.3°F in its coldest, with 9.48" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 1,100 cooling and 5,200 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Payette County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Payette County
Common questions
How much does it cost to own a home in Fruitland?
A $286,000 home in Fruitland, Idaho costs approximately $2,050 per month with 20% down at 6.66%. That is $1,470 principal and interest, $107 property tax, $56 homeowners insurance, $179 utilities and $238 set aside for maintenance.
What is the property tax rate in Fruitland?
Fruitland has an effective property tax rate of 0.450%, based on a median home value of $286,300 and median real estate taxes of $1,289. That is higher than the Payette County average of 0.435%.
What is the average home price in Fruitland?
The median owner-occupied home value in Fruitland, Idaho is $286,300, against $310,700 across Payette County.
Is it cheaper to rent or buy in Fruitland?
Median gross rent in Fruitland is $950 a month, against $2,050 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 Fruitland — 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.