Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Idaho
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Idaho ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Valley County | 23.1% | $962 | $4,162 |
| 2 | Blaine County | 23.6% | $1,093 | $4,637 |
| 3 | Teton County | 23.6% | $982 | $4,163 |
| 4 | Boise County | 25.2% | $764 | $3,028 |
| 5 | Bonner County | 25.4% | $786 | $3,100 |
| 6 | Kootenai County | 25.7% | $861 | $3,357 |
| 7 | Gem County | 26.2% | $695 | $2,656 |
| 8 | Ada County | 26.3% | $907 | $3,448 |
| 9 | Boundary County | 26.7% | $670 | $2,507 |
| 10 | Custer County | 26.8% | $576 | $2,155 |
| 11 | Adams County | 27.0% | $647 | $2,394 |
| 12 | Madison County | 27.1% | $724 | $2,672 |
| 13 | Idaho County | 27.3% | $571 | $2,090 |
| 14 | Payette County | 27.5% | $629 | $2,288 |
| 15 | Lemhi County | 27.8% | $580 | $2,086 |
| 16 | Jefferson County | 27.8% | $690 | $2,478 |
| 17 | Canyon County | 27.9% | $724 | $2,594 |
| 18 | Franklin County | 28.2% | $636 | $2,259 |
| 19 | Bonneville County | 28.2% | $685 | $2,430 |
| 20 | Owyhee County | 28.5% | $600 | $2,103 |
| 21 | Fremont County | 28.5% | $601 | $2,105 |
| 22 | Cassia County | 28.9% | $557 | $1,931 |
| 23 | Latah County | 28.9% | $744 | $2,572 |
| 24 | Camas County | 28.9% | $541 | $1,870 |
| 25 | Elmore County | 29.6% | $624 | $2,109 |
| 26 | Bingham County | 29.6% | $578 | $1,956 |
| 27 | Clark County | 29.6% | $456 | $1,539 |
| 28 | Bear Lake County | 29.6% | $527 | $1,777 |
| 29 | Washington County | 29.7% | $565 | $1,901 |
| 30 | Benewah County | 29.7% | $578 | $1,943 |
| 31 | Twin Falls County | 29.7% | $661 | $2,224 |
| 32 | Minidoka County | 30.1% | $541 | $1,797 |
| 33 | Gooding County | 30.3% | $538 | $1,775 |
| 34 | Oneida County | 30.3% | $529 | $1,747 |
| 35 | Jerome County | 30.5% | $594 | $1,950 |
| 36 | Clearwater County | 30.6% | $566 | $1,851 |
| 37 | Bannock County | 30.7% | $632 | $2,058 |
| 38 | Lincoln County | 30.9% | $493 | $1,596 |
| 39 | Shoshone County | 30.9% | $533 | $1,721 |
| 40 | Caribou County | 31.3% | $535 | $1,710 |
| 41 | Nez Perce County | 31.3% | $708 | $2,263 |
| 42 | Butte County | 31.5% | $481 | $1,526 |
| 43 | Lewis County | 32.4% | $518 | $1,598 |
| 44 | Power County | 34.0% | $526 | $1,546 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Idaho