Total monthly cost of ownership
Cost to Own a Home in Moreland, Idaho
A $260,000 home here costs
$1,892per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,337. The real number is $555 higher every month — 42% 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.
Moreland against Bingham County and Idaho
| Measure | Moreland | Bingham County |
|---|---|---|
| Median home value | $260,100 | $258,000 |
| Median property tax | $1,307 | $1,389 |
| Effective tax rate | 0.502% | 0.538% |
| Median gross rent | — | $845 |
| Population | 1,386 | 48,993 |
The weather behind that power bill
Moreland sits in Bingham County, which averages a high of 86.9°F in its hottest month and a low of 16.8°F in its coldest, with 12.05" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 518 cooling and 6,990 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Bingham County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bingham County
Common questions
How much does it cost to own a home in Moreland?
A $260,000 home in Moreland, Idaho costs approximately $1,892 per month with 20% down at 6.66%. That is $1,337 principal and interest, $109 property tax, $50 homeowners insurance, $179 utilities and $217 set aside for maintenance.
What is the property tax rate in Moreland?
Moreland has an effective property tax rate of 0.502%, based on a median home value of $260,100 and median real estate taxes of $1,307. That is lower than the Bingham County average of 0.538%.
What is the average home price in Moreland?
The median owner-occupied home value in Moreland, Idaho is $260,100, against $258,000 across Bingham County.
Is it cheaper to rent or buy in Moreland?
Rent data is not published for Moreland at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Moreland — 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.