Total monthly cost of ownership
Cost to Own a Home in Osburn, Idaho
A $183,000 home here costs
$1,415per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $941. The real number is $474 higher every month — 50% 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.
Osburn against Shoshone County and Idaho
| Measure | Osburn | Shoshone County |
|---|---|---|
| Median home value | $182,800 | $222,700 |
| Median property tax | $1,285 | $1,273 |
| Effective tax rate | 0.703% | 0.572% |
| Median gross rent | $794 | $880 |
| Population | 1,728 | 13,580 |
The weather behind that power bill
Osburn sits in Shoshone County, which averages a high of 69.8°F in its hottest month and a low of 18.0°F in its coldest, with 45.09" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 102 cooling and 9,714 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Shoshone County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Shoshone County
Common questions
How much does it cost to own a home in Osburn?
A $183,000 home in Osburn, Idaho costs approximately $1,415 per month with 20% down at 6.66%. That is $941 principal and interest, $107 property tax, $36 homeowners insurance, $179 utilities and $153 set aside for maintenance.
What is the property tax rate in Osburn?
Osburn has an effective property tax rate of 0.703%, based on a median home value of $182,800 and median real estate taxes of $1,285. That is higher than the Shoshone County average of 0.572%.
What is the average home price in Osburn?
The median owner-occupied home value in Osburn, Idaho is $182,800, against $222,700 across Shoshone County.
Is it cheaper to rent or buy in Osburn?
Median gross rent in Osburn is $794 a month, against $1,415 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 Osburn — 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.