Local costs · Idaho
What a home costs across Idaho
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Idaho, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,002 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Idaho charges no state transfer or recording tax on a home purchase.
- Title insurance
- Idaho uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Idaho income tax is modeled at about 3.08% effective for a married household at $100,000 (4.19% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 44 counties in Idaho
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Ada County | 0.52% | $610–$1,360typical $940 |
| Adams County | 0.36% | $1,710–$3,810typical $2,630 |
| Bannock County | 0.64% | $850–$1,890typical $1,300 |
| Bear Lake County | 0.41% | $590–$1,320typical $910 |
| Benewah County | 0.49% | $490–$1,090typical $750 |
| Bingham County | 0.50% | $490–$1,090typical $750 |
| Blaine County | 0.38% | $670–$1,490typical $1,030 |
| Boise County | 0.34% | $1,710–$3,810typical $2,630 |
| Bonner County | 0.38% | $490–$1,090typical $750 |
| Bonneville County | 0.50% | $490–$1,090typical $750 |
| Boundary County | 0.39% | $490–$1,090typical $750 |
| Butte County | 0.49% | $490–$1,090typical $750 |
| Camas County | 0.37% | $1,070–$2,380typical $1,640 |
| Canyon County | 0.52% | $490–$1,090typical $750 |
| Caribou County | 0.56% | $600–$1,330typical $920 |
| Cassia County | 0.41% | $770–$1,710typical $1,180 |
| Clark County | 0.33% | $820–$1,830typical $1,260 |
| Clearwater County | 0.54% | $1,410–$3,150typical $2,170 |
| Custer County | 0.29% | $570–$1,260typical $870 |
| Elmore County | 0.54% | $1,710–$3,810typical $2,630 |
| Franklin County | 0.40% | $500–$1,120typical $770 |
| Fremont County | 0.45% | $560–$1,250typical $860 |
| Gem County | 0.33% | $1,460–$3,260typical $2,250 |
| Gooding County | 0.51% | $910–$2,030typical $1,400 |
| Idaho County | 0.32% | $1,710–$3,810typical $2,630 |
| Jefferson County | 0.45% | $490–$1,090typical $750 |
| Jerome County | 0.64% | $510–$1,150typical $790 |
| Kootenai County | 0.44% | $490–$1,090typical $750 |
| Latah County | 0.64% | $520–$1,160typical $800 |
| Lemhi County | 0.35% | $990–$2,220typical $1,530 |
| Lewis County | 0.60% | $750–$1,680typical $1,160 |
| Lincoln County | 0.43% | $1,200–$2,670typical $1,840 |
| Madison County | 0.48% | $490–$1,090typical $750 |
| Minidoka County | 0.48% | $490–$1,090typical $750 |
| Nez Perce County | 0.78% | $490–$1,090typical $750 |
| Oneida County | 0.44% | $920–$2,040typical $1,410 |
| Owyhee County | 0.40% | $1,120–$2,510typical $1,730 |
| Payette County | 0.40% | $630–$1,410typical $970 |
| Power County | 0.70% | $820–$1,830typical $1,260 |
| Shoshone County | 0.50% | $490–$1,090typical $750 |
| Teton County | 0.31% | $740–$1,650typical $1,140 |
| Twin Falls County | 0.61% | $490–$1,090typical $750 |
| Valley County | 0.30% | $1,460–$3,250typical $2,240 |
| Washington County | 0.49% | $1,150–$2,570typical $1,770 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.