M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Blackfoot, ID

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Blackfoot, Idaho.

Median Home Price
$265K
Population
12K
Avg Monthly Rent
$1,020
Property Tax Rate
0.63%
Blackfoot vs Idaho Median
The median home price in Blackfoot is $265,000, which is 37% below the Idaho state median of $420,000.

Mortgage Calculator — Blackfoot, ID

Pre-filled with Blackfoot median home price and Idaho tax/insurance rates. Adjust for your property.

$
$53,000
%
%
years
ID avg
%
$
Monthly Payment (PITI)
$1,612
Principal + Interest + Tax + Insurance + PMI
Share:TwitterFacebook
Principal & Interest
$1,340
per month
Taxes & Insurance
$272
per month
Total Interest Paid
$270K
over 30 years
Total Loan Cost
$482K
all payments
Payment Breakdown
Loan Amount$212,000
Principal & Interest$1,340
Property Taxes$139
Homeowners Insurance$133
Total Monthly PITI$1,612

Closing Costs — Blackfoot, ID

Estimated closing costs based on Idaho rates and fees applied to Blackfoot prices.

$
%
Idaho: Avg closing costs 1.5% of price. Transfer tax: 0%.
Estimated Closing Costs
$8,447
3.2% of purchase price
Share:TwitterFacebook
Lender Fees
$2,333
origination, underwriting
Third-Party
$2,775
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,339
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,908
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,625
Recording Fee$150
Prepaid Taxes (3 mo)$417
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$637
Escrow Reserves$684
Total Closing Costs$8,447

Buying a Home in Blackfoot, Idaho

The median home price in Blackfoot is $265,000, 37% below the Idaho state median of $420,000. With a population of 12,081, Blackfoot is a smaller market where home prices tend to be more accessible than in many parts of Idaho.

Property taxes in Idaho average 0.63% annually. This low property tax rate is a significant advantage for Blackfoot buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Idaho runs approximately $1,600 per year. This is within the normal range nationally.

Average rent in Blackfoot is $1,020/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Blackfoot presents moderate affordability. The $265K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Blackfoot.
Rent vs Buy Calculator →
Explore all of Idaho: Idaho Mortgage Calculator & Closing Costs →

More Cities in Idaho

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.