Total monthly cost of ownership
Cost to Own a Home in Rigby, Idaho
A $267,000 home here costs
$1,999per 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 $626 higher every month — 46% 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.
Rigby against Jefferson County and Idaho
| Measure | Rigby | Jefferson County |
|---|---|---|
| Median home value | $267,200 | $335,000 |
| Median property tax | $2,080 | $1,775 |
| Effective tax rate | 0.778% | 0.530% |
| Median gross rent | $1,035 | $1,098 |
| Population | 5,251 | 32,234 |
The weather behind that power bill
Rigby sits in Jefferson County, which averages a high of 86.6°F in its hottest month and a low of 12.1°F in its coldest, with 10.07" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 249 cooling and 7,792 heating degree days, which is what sets the $111 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
No other places of this size are published in Jefferson County.
Full Jefferson County cost breakdown · Every county in Idaho
Common questions
How much does it cost to own a home in Rigby?
A $267,000 home in Rigby, Idaho costs approximately $1,999 per month with 20% down at 6.66%. That is $1,373 principal and interest, $173 property tax, $52 homeowners insurance, $179 utilities and $223 set aside for maintenance.
What is the property tax rate in Rigby?
Rigby has an effective property tax rate of 0.778%, based on a median home value of $267,200 and median real estate taxes of $2,080. That is higher than the Jefferson County average of 0.530%.
What is the average home price in Rigby?
The median owner-occupied home value in Rigby, Idaho is $267,200, against $335,000 across Jefferson County.
Is it cheaper to rent or buy in Rigby?
Median gross rent in Rigby is $1,035 a month, against $1,999 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 Rigby — 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.