Total monthly cost of ownership
Cost to Own a Home in McCall, Idaho
A $565,000 home here costs
$4,051per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $173,500 a year.
A standard mortgage calculator would have told you $3,080. The real number is $971 higher every month, 32% more than the payment most buyers budget for.
Compare Valley County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for McCall from a five-year rolling sample, and with about 3,847 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Valley County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
McCall against Valley County and Idaho
| Measure | McCall | Valley County |
|---|---|---|
| Median home value | $564,500 | $599,500 |
| Median property tax | $2,352 | $1,778 |
| Effective tax rate | 0.417% | 0.297% |
| Median gross rent | $995 | $1,011 |
| Population | 3,847 | 12,136 |
The weather behind that power bill
McCall sits in Valley County, which averages a high of 86.6°F in its hottest month and a low of 12.2°F in its coldest, with 24.04" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 198 cooling and 7,878 heating degree days, which is what sets the $126 electricity line above.
See the full climate breakdown for Valley County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Valley County
No other places of this size are published in Valley County.
Talk to someone who works this market
These are McCall 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 McCall every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in McCall I already own here and may sell
Common questions
How much does it cost to own a home in McCall?
A $565,000 home in McCall, Idaho costs approximately $4,051 per month with 20% down at 7.24%. That is $3,080 principal and interest, $196 property tax, $110 homeowners insurance, $194 utilities and $471 set aside for maintenance.
What is the property tax rate in McCall?
McCall has an effective property tax rate of 0.417%, based on a median home value of $564,500 and median real estate taxes of $2,352. That is higher than the Valley County average of 0.297%.
What is the average home price in McCall?
The median owner-occupied home value in McCall, Idaho is $564,500, against $599,500 across Valley County.
Is it cheaper to rent or buy in McCall?
Median gross rent in McCall is $995 a month, against $4,051 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 McCall?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in McCall, Idaho at today's rate takes a household income of roughly $173,500 a year. That covers the full $4,051 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for McCall, 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.