Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Idaho
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Idaho ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Power County | 34.0% | $526 | $1,546 |
| 2 | Lewis County | 32.4% | $518 | $1,598 |
| 3 | Butte County | 31.5% | $481 | $1,526 |
| 4 | Nez Perce County | 31.3% | $708 | $2,263 |
| 5 | Caribou County | 31.3% | $535 | $1,710 |
| 6 | Shoshone County | 30.9% | $533 | $1,721 |
| 7 | Lincoln County | 30.9% | $493 | $1,596 |
| 8 | Bannock County | 30.7% | $632 | $2,058 |
| 9 | Clearwater County | 30.6% | $566 | $1,851 |
| 10 | Jerome County | 30.5% | $594 | $1,950 |
| 11 | Oneida County | 30.3% | $529 | $1,747 |
| 12 | Gooding County | 30.3% | $538 | $1,775 |
| 13 | Minidoka County | 30.1% | $541 | $1,797 |
| 14 | Twin Falls County | 29.7% | $661 | $2,224 |
| 15 | Benewah County | 29.7% | $578 | $1,943 |
| 16 | Washington County | 29.7% | $565 | $1,901 |
| 17 | Bear Lake County | 29.6% | $527 | $1,777 |
| 18 | Clark County | 29.6% | $456 | $1,539 |
| 19 | Bingham County | 29.6% | $578 | $1,956 |
| 20 | Elmore County | 29.6% | $624 | $2,109 |
| 21 | Camas County | 28.9% | $541 | $1,870 |
| 22 | Latah County | 28.9% | $744 | $2,572 |
| 23 | Cassia County | 28.9% | $557 | $1,931 |
| 24 | Fremont County | 28.5% | $601 | $2,105 |
| 25 | Owyhee County | 28.5% | $600 | $2,103 |
| 26 | Bonneville County | 28.2% | $685 | $2,430 |
| 27 | Franklin County | 28.2% | $636 | $2,259 |
| 28 | Canyon County | 27.9% | $724 | $2,594 |
| 29 | Jefferson County | 27.8% | $690 | $2,478 |
| 30 | Lemhi County | 27.8% | $580 | $2,086 |
| 31 | Payette County | 27.5% | $629 | $2,288 |
| 32 | Idaho County | 27.3% | $571 | $2,090 |
| 33 | Madison County | 27.1% | $724 | $2,672 |
| 34 | Adams County | 27.0% | $647 | $2,394 |
| 35 | Custer County | 26.8% | $576 | $2,155 |
| 36 | Boundary County | 26.7% | $670 | $2,507 |
| 37 | Ada County | 26.3% | $907 | $3,448 |
| 38 | Gem County | 26.2% | $695 | $2,656 |
| 39 | Kootenai County | 25.7% | $861 | $3,357 |
| 40 | Bonner County | 25.4% | $786 | $3,100 |
| 41 | Boise County | 25.2% | $764 | $3,028 |
| 42 | Teton County | 23.6% | $982 | $4,163 |
| 43 | Blaine County | 23.6% | $1,093 | $4,637 |
| 44 | Valley County | 23.1% | $962 | $4,162 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Idaho