CALCMONEY // MORTGAGE // ID // POCATELLO
Calculate your monthly mortgage payment using Pocatello-specific property tax rates and local market data.
$270,000
6.9%
0.66%
86
| Principal & Interest | $1,423 |
| Property Tax | $149 |
| Homeowners Insurance (est.) | $90 |
| Total Monthly Payment (PITI) | $1,661 |
$54,000
$296,127
$71,189/yr
Pocatello's median home price sits at $270,000, 36% below the $420,000 national median. On a $52,000 median household income, that puts the price-to-income ratio at 5.2x, or 5.2 years of gross pay for the purchase price alone.
Factor in $149/month for property tax in Pocatello, based on the area's 0.66% effective rate applied to the median home price. That's $1,782 annually.
Between the $1,661/month mortgage payment and Idaho's state income tax, your real housing cost calculation needs your after-tax number, not your gross salary.
Beyond housing, Pocatello's cost of living index sits at 86 (national average = 100), running below the national baseline for groceries, transportation, and everyday services.
Pocatello's median home price runs 40% lower than nearby Boise: $450,000 there versus $270,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $216,000 loan saves $9,720 in interest over 30 years.
Compare Top Pocatello Mortgage Lenders