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Ada County Conventional Mortgage Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Ada County, Idaho based on real HMDA transaction records.

Loan Details

Ada County, ID Benchmarks

Conventional averages
Typical Property Value$668,457
Average Down Payment27.5%
Average Interest Rate6.991%
Effective Tax Rate0.53%
Median Tax Paid$2,655/yr
Tax Growth (Historical)-2.6%
Based on 14,445 regional loans totaling $4,493,325,000 (HMDA database).
$
%

$183,826 down · $484,631 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$295 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$3,666/mo

  • Principal & Interest$3,221
  • Property Tax$295
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$484,631

Total Interest

$674,932

Total of Payments

$1,159,564

Local Market Insights

Ada County Conventional Mortgage Overview

Ada County's conventional loan market shows strong buyer profiles, with a 27.54% average down payment and 72.46% median LTV. This high equity stake typically eliminates PMI from the start, as most buyers exceed the 20% threshold. For those using a conventional loan with taxes in Ada County, ID, the effective property tax rate of 0.53% remains low, while the -2.6% inflation-adjusted tax change offers slight monthly relief. For buyers exploring a conventional mortgage with PMI and taxes in Ada County, Idaho, building additional equity is straightforward given the low starting LTV. This data reflects 100% owner-occupied purchases, indicating a stable, resident-focused market.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.