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    Buyer Tools

    Mortgage Calculator

    Estimate your monthly payments, including principal and interest, taxes, insurance, and HOA fees to understand your true buying power.

    Plan Your Purchase

    Understanding your monthly payment is the first step toward buying a home in the Treasure Valley. Use our free mortgage calculator to estimate your principal, interest, taxes, and insurance based on current Idaho market conditions.

    Common Loan Types

    Most buyers finance with a 30-year fixed-rate mortgage, though 15-year and adjustable-rate options are also available.

    Idaho Property Tax

    Property tax rates in the Treasure Valley typically range from 0.6% to 0.9% of the home's assessed value.

    Homeowners Insurance

    Standard homeowners insurance policies in the Boise area generally average between $1,200 and $1,800 per year.

    Loan Details

    Adjust the values below to estimate your payment.

    $500,000
    $100,000(20.0%)
    $
    %
    Loan Amount (Principal)
    $400,000
    %

    Taxes, Insurance & HOA

    $
    $
    $

    Estimated Monthly Payment

    $3,045
    Principal & Interest
    $2,528
    Property Tax
    $417
    Home Insurance
    $100
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    Mortgage Calculator FAQs