Total monthly cost of ownership
Cost to Own a Home in Kellogg, Idaho
A $217,000 home here costs
$1,637per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,116. The real number is $521 higher every month — 47% 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.
Kellogg against Shoshone County and Idaho
| Measure | Kellogg | Shoshone County |
|---|---|---|
| Median home value | $217,200 | $222,700 |
| Median property tax | $1,434 | $1,273 |
| Effective tax rate | 0.660% | 0.572% |
| Median gross rent | $903 | $880 |
| Population | 2,232 | 13,580 |
The weather behind that power bill
Kellogg sits in Shoshone County, which averages a high of 69.8°F in its hottest month and a low of 18.0°F in its coldest, with 45.09" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 102 cooling and 9,714 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Shoshone County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Shoshone County
Common questions
How much does it cost to own a home in Kellogg?
A $217,000 home in Kellogg, Idaho costs approximately $1,637 per month with 20% down at 6.66%. That is $1,116 principal and interest, $119 property tax, $42 homeowners insurance, $179 utilities and $181 set aside for maintenance.
What is the property tax rate in Kellogg?
Kellogg has an effective property tax rate of 0.660%, based on a median home value of $217,200 and median real estate taxes of $1,434. That is higher than the Shoshone County average of 0.572%.
What is the average home price in Kellogg?
The median owner-occupied home value in Kellogg, Idaho is $217,200, against $222,700 across Shoshone County.
Is it cheaper to rent or buy in Kellogg?
Median gross rent in Kellogg is $903 a month, against $1,637 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 Kellogg — 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.