Total monthly cost of ownership
Cost to Own a Home in New Plymouth, Idaho
A $199,000 home here costs
$1,515per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,023. The real number is $492 higher every month — 48% 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.
New Plymouth against Payette County and Idaho
| Measure | New Plymouth | Payette County |
|---|---|---|
| Median home value | $199,200 | $310,700 |
| Median property tax | $1,300 | $1,353 |
| Effective tax rate | 0.653% | 0.435% |
| Median gross rent | $988 | $874 |
| Population | 1,863 | 26,190 |
The weather behind that power bill
New Plymouth sits in Payette County, which averages a high of 95.1°F in its hottest month and a low of 24.3°F in its coldest, with 9.48" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 1,100 cooling and 5,200 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Payette County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Payette County
Common questions
How much does it cost to own a home in New Plymouth?
A $199,000 home in New Plymouth, Idaho costs approximately $1,515 per month with 20% down at 6.66%. That is $1,023 principal and interest, $108 property tax, $39 homeowners insurance, $179 utilities and $166 set aside for maintenance.
What is the property tax rate in New Plymouth?
New Plymouth has an effective property tax rate of 0.653%, based on a median home value of $199,200 and median real estate taxes of $1,300. That is higher than the Payette County average of 0.435%.
What is the average home price in New Plymouth?
The median owner-occupied home value in New Plymouth, Idaho is $199,200, against $310,700 across Payette County.
Is it cheaper to rent or buy in New Plymouth?
Median gross rent in New Plymouth is $988 a month, against $1,515 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 New Plymouth — 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.