Home Insurance Estimator for Boise, ID
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Idaho, driven by weather risks, construction costs, and local claims history. The median home value in Boise is $435,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Boise local data
How Boise Compares to the National Average
Understanding how Boise stacks up helps you calibrate your financial planning.
| Metric | Boise, ID | US Average | Difference |
|---|---|---|---|
| Median Home Price | $435,000 | $420,800 | +3.4% |
| Median Monthly Rent | $1,298 | $1,713 | -24.2% |
| Median Household Income | $70,400 | $74,580 | -5.6% |
| Property Tax Rate | 0.63% | 1.10% | -42.7% |
| Cost of Living Index | 107 | 100 | +7.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Boise Financial Snapshot
- Population (Metro)
- 820,000
- Unemployment
- 2.8%
- Avg Commute
- 22 min
- Median Age
- 36.7
- Price-to-Rent Ratio
- 27.9x
- Annual Property Tax
- $2,741
Frequently Asked Questions — Boise
What is the median home price in Boise, ID?
The median home price in Boise is $435,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Boise?
Median monthly rent in Boise is $1,298. That works out to $15,576/year, or 22% of the median household income — within the commonly recommended 30% of income guideline.
Is Boise affordable?
Boise's cost of living index is 107 vs. the national average of 100. With a median household income of $70,400/year and a median home price of $435,000, the price-to-income ratio is 6.2x. This makes homeownership a significant stretch for the typical Boise household.
What is the property tax rate in Boise?
The effective property tax rate in Boise is 0.63% of assessed value. On the median home of $435,000, that's roughly $2,741/year ($228/month).