Mortgage payment estimates, closing cost breakdowns, and homebuying data for Nampa, Idaho.
Median Home Price
$375K
Population
100K
Avg Monthly Rent
$1,280
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 Nampa.
Nampa vs Idaho Median
The median home price in Nampa is $375,000, which is 11% below the Idaho state median of $420,000.
Mortgage Calculator — Nampa, ID
Pre-filled with Nampa median home price and Idaho tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $375K home using Idaho's 0.63% tax rate and $1,600/yr insurance.
5% Down
$2,790/mo
Down: $18,750
Loan: $356K
P&I: $2,252
Tax: $197
Insurance: $133
PMI: $208
10% Down
$2,660/mo
Down: $37,500
Loan: $338K
P&I: $2,133
Tax: $197
Insurance: $133
PMI: $197
20% Down (No PMI)
$2,226/mo
Down: $75,000
Loan: $300K
P&I: $1,896
Tax: $197
Insurance: $133
Income needed (28% rule): $95K/year with 20% down, $114K/year with 10% down.
Rent vs Buy in Nampa
Rent
$1,280/mo
vs
Buy (10% down)
$2,660/mo
Price-to-rent ratio: 24.4 — At a ratio above 20, renting may be more economical in Nampa for shorter stays. Buying costs $1,380 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 Nampa is $375,000, 11% below the Idaho state median of $420,000. With a population of 100,200, Nampa is a mid-size city 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 Nampa 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 Nampa is $1,280/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.
Nampa presents moderate affordability. The $375K 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 Nampa.