Total monthly cost of ownership
Cost to Own a Home in Orofino, Idaho
A $219,000 home here costs
$1,658per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,126. The real number is $532 higher every month — 47% 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.
Orofino against Clearwater County and Idaho
| Measure | Orofino | Clearwater County |
|---|---|---|
| Median home value | $218,900 | $240,800 |
| Median property tax | $1,532 | $1,447 |
| Effective tax rate | 0.700% | 0.601% |
| Median gross rent | $892 | $847 |
| Population | 3,254 | 8,921 |
The weather behind that power bill
Orofino sits in Clearwater County, which averages a high of 80.1°F in its hottest month and a low of 18.5°F in its coldest, with 40.89" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 73 cooling and 8,242 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Clearwater County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clearwater County
No other places of this size are published in Clearwater County.
Full Clearwater County cost breakdown · Every county in Idaho
Common questions
How much does it cost to own a home in Orofino?
A $219,000 home in Orofino, Idaho costs approximately $1,658 per month with 20% down at 6.66%. That is $1,126 principal and interest, $128 property tax, $43 homeowners insurance, $179 utilities and $183 set aside for maintenance.
What is the property tax rate in Orofino?
Orofino has an effective property tax rate of 0.700%, based on a median home value of $218,900 and median real estate taxes of $1,532. That is higher than the Clearwater County average of 0.601%.
What is the average home price in Orofino?
The median owner-occupied home value in Orofino, Idaho is $218,900, against $240,800 across Clearwater County.
Is it cheaper to rent or buy in Orofino?
Median gross rent in Orofino is $892 a month, against $1,658 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 Orofino — 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.