Idaho (ID) · State tax: 5.695% · Property tax: 0.69% · Median home (ZHVI): $465,000
As of · Sources: Zillow ZHVI, Tax Foundation, Census ACS, Freddie Mac PMMS
Your savings rate — the percentage of gross income you save — is the most important factor in building wealth. In Idaho, the 5.695% state income tax reduces your gross-to-net income conversion, making a 20% gross savings rate more challenging. On a $80,000 salary, after federal, state, and FICA taxes, you might net around $53,044, meaning a 20% gross savings target ($16,000/year) represents about 30% of net pay. The cost of living index of 92.2 determines your expense floor — moderate living costs give you more room to save aggressively. Target at least 20% for financial independence, adjusting for Idaho's specific cost profile.
Median income + cost-of-living scale the savings rate for the savings rate calculator in Idaho. Every row cites a primary public dataset. Numbers reflect the most recent vintage available; refresh cadence is documented in the methodology.
The Savings Rate Calculator runs a well-known formula (principal × rate, discounted cash flow, amortization, or equivalent) client-side and layers on Idaho's tax and cost-of-living inputs. State-specific numbers — brackets, exemptions, and averages — come from public federal / state datasets cited in the sources section.
Same formula, different inputs. Each city name links to its own pSEO page where the calculator is pre-filled with local medians.
| City | Median home | Median rent | HUD FMR 2BR | Median income |
|---|---|---|---|---|
| Boise, ID | $488,570 | $1,794/mo | $1,650/mo | $82,694 |
| Meridian, ID | $465,000 | $1,550/mo | $1,425/mo | $82,500 |
| Nampa, ID | $380,000 | $1,300/mo | $1,200/mo | $62,200 |
Sources: Zillow ZHVI + ZORI[1], HUD FMR[2], Census ACS[3], Freddie Mac PMMS[4].
Moving one state over changes the savings rate numbers. Compare median home value (Zillow ZHVI), top marginal income tax rate, effective property tax rate, and the BEA all-items Regional Price Parity across Idaho and its border states.
| State | Median home | Top inc tax | Prop tax rate | RPP (US=100) |
|---|---|---|---|---|
| Idaho (this page) | $465,000 | 5.70% | 0.69% | 92.2 |
| Montana equivalent | $460,000 | 5.90% | 0.83% | 91.0 |
| compare to Nevada | $430,000 | None | 0.56% | 97.9 |
| Oregon side-by-side | $490,000 | 9.90% | 0.87% | 104.8 |
| Utah equivalent | $505,000 | 4.55% | 0.58% | 95.7 |
Sources: Zillow ZHVI[1], state Departments of Revenue / Tax Foundation[2], Tax Foundation property taxes[3], BEA Regional Price Parities[4].
These calculators share inputs with the savings rate formula, so pair them to pressure-test your answer from multiple angles.
| Metric | Idaho | National Avg | MT | NV | OR |
|---|---|---|---|---|---|
| Median Home Price | $465,000 | $420,000 | $475,000 | $465,000 | $535,000 |
| Property Tax Rate | 0.69% | 1.07% | 0.84% | 0.6% | 0.97% |
| State Income Tax | 5.695% | 4.6%* | 6.84% | None | 9.9% |
| Avg Insurance Cost | $870/yr | $1,544/yr | $1,320/yr | $1,560/yr | $1,440/yr |
| Cost of Living Index | 92.2 | 100 | 104 | 109 | 115 |
| Household Income — p25 | $43,600 | $41,401 | $45,609 | $42,000 | $45,569 |
| Household Income — p50 (median) | $81,700 | $83,592 | $82,000 | $80,000 | $89,511 |
| Household Income — p75 | $137,996 | $153,000 | $142,396 | $140,000 | $152,459 |
*Average of states that levy an income tax. 2026 estimates. Idaho's homeowner exemption reduces taxable property value by up to 50% (max $125K).[3] Income percentiles from DQYDJ/Census CPS 2024[4].
Track take-home pay: 5.695% state income tax plus federal + FICA reduces gross wages by roughly 31% in Idaho.
Anchor savings goals to the Idaho cost of living index (92.2). A national 20% savings rate needs adjustment up or down depending on local expense floors.
Use tax-advantaged accounts first: 401(k), HSA, IRA. Contributions to pre-tax accounts save 5.695% at the state level plus your federal marginal rate.
Every number on this page reads from the same CalcFi data repository used by the Live Data pages below — the figures stay consistent.
Home Prices by State
Zillow ZHVI across all 50 states
Property Tax by State
Effective rate × ZHVI = annual bill
Household Income by State
FRED real median + percentile bands
Cost of Living by State
BEA RPP all-items + housing
No-Income-Tax States
Full list + trade-offs
Current Interest Rates
Treasury curve + PMMS + FDIC
CalcFi pSEO pages combine three inputs: (1) the calculator formula itself, which runs client-side so no inputs leave your browser; (2) state-level financial constants from primary public datasets; and (3) national benchmarks for comparison. The Idaho page uses the property tax rate (0.69%), median home price ($465,000), and 5.695% state income tax from the sources listed below.
Refresh cadence:state tax brackets and minimum wage rates are reviewed annually after each state's legislative session. Property tax, median home price, insurance, and cost-of-living figures are reviewed annually against the primary sources. Income percentiles are refreshed when the Census CPS/IPUMS releases update (typically September). Page-level dateModified matches the last editorial review date, shown above.
Known limits: statewide averages mask large intra-state variance — county-level property tax and metro-level home prices differ significantly from the figures shown. For the most precise calculations, cross-check the output against your actual county assessor and the latest federal/state tax tables at filing time.
Use Savings Rate Calculator for any city in Idaho.
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped by the next ISR refresh after an ETL run).
CalcFi does not sell data. If you spot an error, email hello@calcfi.app with the URL and the correct figure.