Mortgage payment estimates, closing cost breakdowns, and homebuying data for Moscow, Idaho.
Median Home Price
$365K
Population
25K
Avg Monthly Rent
$1,220
Property Tax Rate
0.63% *
* Property tax shown is the Idaho state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Moscow.
Moscow vs Idaho Median
The median home price in Moscow is $365,000, which is 13% below the Idaho state median of $420,000.
Mortgage Calculator — Moscow, ID
Pre-filled with Moscow median home price and Idaho tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $365K home using Idaho's 0.63% tax rate and $1,600/yr insurance.
5% Down
$2,719/mo
Down: $18,250
Loan: $347K
P&I: $2,192
Tax: $192
Insurance: $133
PMI: $202
10% Down
$2,593/mo
Down: $36,500
Loan: $329K
P&I: $2,076
Tax: $192
Insurance: $133
PMI: $192
20% Down (No PMI)
$2,171/mo
Down: $73,000
Loan: $292K
P&I: $1,846
Tax: $192
Insurance: $133
Income needed (28% rule): $93K/year with 20% down, $111K/year with 10% down.
Rent vs Buy in Moscow
Rent
$1,220/mo
vs
Buy (10% down)
$2,593/mo
Price-to-rent ratio: 24.9 — At a ratio above 20, renting may be more economical in Moscow for shorter stays. Buying costs $1,373 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Moscow is $365,000, 13% below the Idaho state median of $420,000. With a population of 25,435, Moscow 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 Moscow 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 Moscow is $1,220/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.
Moscow presents moderate affordability. The $365K 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 Moscow.