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Mortgage Calculator &
Closing Costs: Meridian, ID

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

Median Home Price
$475K
Population
118K
Avg Monthly Rent
$1,520
Property Tax Rate
0.63%
Meridian vs Idaho Median
The median home price in Meridian is $475,000, which is 13% above the Idaho state median of $420,000.

Mortgage Calculator — Meridian, ID

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

$
$95,000
%
%
years
ID avg
%
$
Monthly Payment (PITI)
$2,784
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,402
per month
Taxes & Insurance
$382
per month
Total Interest Paid
$485K
over 30 years
Total Loan Cost
$865K
all payments
Payment Breakdown
Loan Amount$380,000
Principal & Interest$2,402
Property Taxes$249
Homeowners Insurance$133
Total Monthly PITI$2,784

Closing Costs — Meridian, ID

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

$
%
Idaho: Avg closing costs 1.5% of price. Transfer tax: 0%.
Estimated Closing Costs
$12,175
2.6% of purchase price
Lender Fees
$3,845
origination, underwriting
Third-Party
$3,825
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$4,505
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,420
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,675
Recording Fee$150
Prepaid Taxes (3 mo)$748
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$1,142
Escrow Reserves$1,015
Total Closing Costs$12,175

Buying a Home in Meridian, Idaho

The median home price in Meridian is $475,000, 13% above the Idaho state median of $420,000. With a population of 117,635, Meridian is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Idaho average 0.63% annually. This low property tax rate is a significant advantage for Meridian 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 Meridian is $1,520/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.

Meridian is a higher-cost market. At $475K median, buyers need significant savings or strong income. Down payment assistance through Idaho's Idaho Housing DPA program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Meridian.
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