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Ada County Mortgage Calculator

Estimate your true cost of homeownership in Ada County with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,717
P&I Payment$3,207
Taxes & Ins$311
Utilities$200

Mortgage Details

$606,880
Local Median: $606,880
$121,376 (20%)
%

Local Area Costs

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Monthly$3,717

Monthly Breakdown

Principal & Interest
$3,207
Property Taxes
$238
Homeowners Ins.
$73
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$668,882

Local Housing Facts for Ada County

  • ·Median home value: $606,880 (adjusted for current market conditions)
  • ·Est. property taxes: $2,854/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $874/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Ada County?

Based on the local median home value, estimated real estate property taxes in Ada County are around $2,854 per year.

What is the average home price in Ada County?

The median home value in Ada County is currently estimated at $606,880.

How much does homeowners insurance cost in Ada County?

For a median priced home, homeowners insurance in Ada County averages around $874 annually.

What is the true total cost of owning a home in Ada County?

True homeownership costs go beyond principal and interest. In Ada County, a typical homeowner with a median-priced home of $606,880 can expect to pay roughly $2,854/yr in property taxes, $874/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $511 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.