Total monthly cost of ownership
Cost to Own a Home in McCall, Idaho
A $565,000 home here costs
$3,861per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,905. The real number is $956 higher every month — 33% 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.
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 $111 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.
Common questions
How much does it cost to own a home in McCall?
A $565,000 home in McCall, Idaho costs approximately $3,861 per month with 20% down at 6.66%. That is $2,905 principal and interest, $196 property tax, $110 homeowners insurance, $179 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 $3,861 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 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.