The rate in context
On a $400,000 home, 0.50% means roughly $2,000 per year in property tax, escrowed monthly, so it lands directly in your payment and your debt-to-income ratio.
Exemptions and notes
The homeowner's exemption shields up to $125,000 (or 50%) of a primary residence's value; 2023 legislation also used state funds to buy down school levies.
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. County-level rates vary; your county page has local detail.
Counties in Idaho
FAQ
What is the average property tax rate in Idaho?
The average effective property tax rate in Idaho is about 0.50%, per Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Individual counties vary above and below that average.
How do Idaho property taxes affect my mortgage?
Taxes are escrowed into your monthly payment, so a higher rate directly reduces how much house you qualify for. The homeowner's exemption shields up to $125,000 (or 50%) of a primary residence's value; 2023 legislation also used state funds to buy down school levies.