Calculate your Idaho mortgage payment with state-specific property tax rates (0.69% average), income tax (5.8%), and 2026 conforming loan limits.
ID average: 0.69%
Idaho has a flat income tax rate and moderate property taxes.
In steep markets, limits reach $1,209,750.
Idaho has a state income tax with rates of 5.8%.
Run the paycheck calculator for net pay.
Verify with your tax office.
Idaho Housing and Finance Association offers down payment assistance and favorable loan terms for qualifying first-time buyers in Idaho.
Income limits may apply.
Verify with your tax office.
Run the paycheck calculator for net pay.
For 2026, the conforming loan limit for a single-family home in Idaho is $806,500. This limit marks the boundary between conforming and jumbo loans.
Income limits may apply.
3% down gets you a conventional loan. FHA is 3.5%. VA/USDA is 0%.