Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Idaho
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Idaho ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Clark County | $456 | $203,000 | 0.292% |
| 2 | Butte County | $481 | $195,800 | 0.504% |
| 3 | Lincoln County | $493 | $206,700 | 0.479% |
| 4 | Lewis County | $518 | $202,400 | 0.666% |
| 5 | Power County | $526 | $191,200 | 0.825% |
| 6 | Bear Lake County | $527 | $234,200 | 0.453% |
| 7 | Oneida County | $529 | $228,100 | 0.513% |
| 8 | Shoshone County | $533 | $222,700 | 0.572% |
| 9 | Caribou County | $535 | $220,200 | 0.604% |
| 10 | Gooding County | $538 | $231,800 | 0.528% |
| 11 | Camas County | $541 | $248,900 | 0.422% |
| 12 | Minidoka County | $541 | $235,300 | 0.518% |
| 13 | Cassia County | $557 | $257,300 | 0.443% |
| 14 | Washington County | $565 | $250,300 | 0.526% |
| 15 | Clearwater County | $566 | $240,800 | 0.601% |
| 16 | Idaho County | $571 | $284,600 | 0.342% |
| 17 | Custer County | $576 | $295,600 | 0.305% |
| 18 | Benewah County | $578 | $255,800 | 0.550% |
| 19 | Bingham County | $578 | $258,000 | 0.538% |
| 20 | Lemhi County | $580 | $282,100 | 0.393% |
| 21 | Jerome County | $594 | $254,000 | 0.639% |
| 22 | Owyhee County | $600 | $281,600 | 0.481% |
| 23 | Fremont County | $601 | $281,800 | 0.483% |
| 24 | Elmore County | $624 | $278,300 | 0.604% |
| 25 | Payette County | $629 | $310,700 | 0.435% |
| 26 | Bannock County | $632 | $267,200 | 0.718% |
| 27 | Franklin County | $636 | $304,000 | 0.497% |
| 28 | Adams County | $647 | $327,300 | 0.413% |
| 29 | Twin Falls County | $661 | $292,700 | 0.667% |
| 30 | Boundary County | $670 | $344,100 | 0.416% |
| 31 | Bonneville County | $685 | $327,000 | 0.554% |
| 32 | Jefferson County | $690 | $335,000 | 0.530% |
| 33 | Gem County | $695 | $367,300 | 0.393% |
| 34 | Nez Perce County | $708 | $291,300 | 0.868% |
| 35 | Madison County | $724 | $365,000 | 0.497% |
| 36 | Canyon County | $724 | $350,300 | 0.570% |
| 37 | Latah County | $744 | $342,500 | 0.681% |
| 38 | Boise County | $764 | $424,100 | 0.370% |
| 39 | Bonner County | $786 | $433,400 | 0.396% |
| 40 | Kootenai County | $861 | $467,400 | 0.471% |
| 41 | Ada County | $907 | $476,000 | 0.555% |
| 42 | Valley County | $962 | $599,500 | 0.297% |
| 43 | Teton County | $982 | $595,900 | 0.347% |
| 44 | Blaine County | $1,093 | $663,800 | 0.386% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Idaho