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Boise Mortgage Calculator

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

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Est. Total Monthly Cost
$3,205
P&I Payment$2,769
Taxes & Ins$284
Utilities$152
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Mortgage Details

$547,664
Local Median: $547,664
$109,533 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,205

Monthly Breakdown

Principal & Interest
$2,769
Property Taxes
$212
Homeowners Ins.
$72
Utilities
$152

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$558,812

Local Housing Facts for Boise

  • ·Median home value: $547,664 (adjusted for current market conditions)
  • ·Est. property taxes: $2,542/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $867/yr — based on local per-$1K premium rates
  • ·Energy utilities: $1,820/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 Boise City?

Based on the local median home value, estimated real estate property taxes in Boise City are around $2,542 per year.

What is the average home price in Boise City?

The median home value in Boise City is currently estimated at $547,664.

How much does homeowners insurance cost in Boise City?

For a median priced home, homeowners insurance in Boise City averages around $867 annually.

What is the true total cost of owning a home in Boise City?

True homeownership costs go beyond principal and interest. In Boise City, a typical homeowner with a median-priced home of $547,664 can expect to pay roughly $2,542/yr in property taxes, $867/yr for homeowners insurance, and $1,820/yr in energy utilities. That adds approximately $436 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.