Total monthly cost of ownership
Cost to Own a Home in Moyie Springs, Idaho
A $326,000 home here costs
$2,300per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,676. The real number is $624 higher every month — 37% 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.
Moyie Springs against Boundary County and Idaho
| Measure | Moyie Springs | Boundary County |
|---|---|---|
| Median home value | $326,200 | $344,100 |
| Median property tax | $1,317 | $1,433 |
| Effective tax rate | 0.404% | 0.416% |
| Median gross rent | $733 | $867 |
| Population | 1,420 | 12,695 |
The weather behind that power bill
Moyie Springs sits in Boundary County, which averages a high of 84.8°F in its hottest month and a low of 23.7°F in its coldest, with 21.07" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 355 cooling and 6,674 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Boundary County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Boundary County
Common questions
How much does it cost to own a home in Moyie Springs?
A $326,000 home in Moyie Springs, Idaho costs approximately $2,300 per month with 20% down at 6.66%. That is $1,676 principal and interest, $110 property tax, $63 homeowners insurance, $179 utilities and $272 set aside for maintenance.
What is the property tax rate in Moyie Springs?
Moyie Springs has an effective property tax rate of 0.404%, based on a median home value of $326,200 and median real estate taxes of $1,317. That is lower than the Boundary County average of 0.416%.
What is the average home price in Moyie Springs?
The median owner-occupied home value in Moyie Springs, Idaho is $326,200, against $344,100 across Boundary County.
Is it cheaper to rent or buy in Moyie Springs?
Median gross rent in Moyie Springs is $733 a month, against $2,300 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 Moyie Springs — 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.