CALCMONEY // HOME AFFORDABILITY // ID // POCATELLO
How much house can you afford in Pocatello? Based on local median home prices, current ID mortgage rates, and Pocatello property tax data.
$270,000
$1,684/mo
$72,153/yr
$180,750
Monthly housing costs of $1,684 represent 38.9% of Pocatello's median gross monthly income ($4,333/mo). At 38.9%, median-income buyers in Pocatello are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $270,000 |
| Down Payment (20%) | $54,000 |
| Loan Amount | $216,000 |
| Monthly PI Payment | $1,423 |
| Monthly Property Tax | $149 |
| Monthly Insurance Est. | $113 |
| Total Monthly PITI | $1,684 |
| Housing Cost % of Income | 38.9% |
| Required Income (28% rule) | $72,153/yr |
| Max Affordable Home | $180,750 |
$9,450
$2,162/mo
Pocatello Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $270,000 | Pocatello city median |
| Down Payment (20%) | $54,000 | Conventional loan |
| Monthly PITI | $1,684 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $72,153 | Annual gross |
| Max Affordable Home | $180,750 | Based on median income |
| FHA Down (3.5%) | $9,450 | Minimum FHA |
| Housing Cost % of Income | 38.9% | Median income: $52,000/yr |
| Property Tax Rate | 0.66% | $1,782/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Pocatello is $270,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $216,000, generating a monthly P&I payment of $1,423. Adding property taxes ($149/mo) and homeowners insurance ($113/mo) brings total monthly PITI to $1,684.
Pocatello's property tax rate of 0.66% is among the lower rates in the country, which improves overall affordability by keeping total PITI closer to the principal and interest payment alone. On the Pocatello median home, that is $149/month, or $1,782 per year.
Idaho levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Pocatello should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Pocatello's median income of $52,000/year can afford up to $1,213/month in total housing costs. Based on Pocatello's mortgage rate of 6.9% and property tax rate of 0.66%, that translates to a maximum affordable home price of approximately $180,750 with 20% down on a 30-year loan.
To afford the median Pocatello home priced at $270,000, you need an annual gross income of approximately $72,153. Total monthly housing costs (principal and interest of $1,423, property taxes of $149, and insurance of $113) come to $1,684/month, which equals 28% of the required income.
At the median home price of $270,000 and median household income of $52,000, the total monthly housing cost of $1,684 represents 38.9% of gross monthly income. This is well above the standard 28% threshold, making Pocatello a challenging market for buyers at median income.
A conventional 20% down payment on the median Pocatello home of $270,000 is $54,000. An FHA loan requires just 3.5% down — $9,450 — but adds mortgage insurance of roughly $185/month, bringing total FHA payments to $2,162/month.