Total monthly cost of ownership
Cost to Own a Home in Pinehurst, Idaho
A $267,000 home here costs
$1,950per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,373. The real number is $578 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.
Pinehurst against Shoshone County and Idaho
| Measure | Pinehurst | Shoshone County |
|---|---|---|
| Median home value | $267,100 | $222,700 |
| Median property tax | $1,494 | $1,273 |
| Effective tax rate | 0.559% | 0.572% |
| Median gross rent | $833 | $880 |
| Population | 2,014 | 13,580 |
The weather behind that power bill
Pinehurst 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 Pinehurst?
A $267,000 home in Pinehurst, Idaho costs approximately $1,950 per month with 20% down at 6.66%. That is $1,373 principal and interest, $124 property tax, $52 homeowners insurance, $179 utilities and $223 set aside for maintenance.
What is the property tax rate in Pinehurst?
Pinehurst has an effective property tax rate of 0.559%, based on a median home value of $267,100 and median real estate taxes of $1,494. That is lower than the Shoshone County average of 0.572%.
What is the average home price in Pinehurst?
The median owner-occupied home value in Pinehurst, Idaho is $267,100, against $222,700 across Shoshone County.
Is it cheaper to rent or buy in Pinehurst?
Median gross rent in Pinehurst is $833 a month, against $1,950 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 Pinehurst — 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.