CALCMONEY // MORTGAGE // ID // BOISE // 83712
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 83712 in Boise, ID.
$540,000
$432,000
$3,318
$142,185/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $540,000 | $486,000 | $3,201 | $3,673 | 6.9% |
| 20% Down | $540,000 | $432,000 | $2,845 | $3,318 | 6.9% |
| 25% Down | $540,000 | $405,000 | $2,667 | $3,140 | 6.9% |
Total monthly includes principal & interest, property tax (0.65% annual), and estimated homeowners insurance. PMI not included.
Bench Area (ZIP 83712) sits within Boise, Idaho with a median home price of $540,000 — significantly above the Boise city-wide median of $450,000. At 80% LTV, the typical loan of $432,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 83712 run 0.65% annually, adding $293 per month on the median home. Median household income in this neighborhood is approximately $95,000, placing the price-to-income ratio at 5.7x. Idaho levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.