Boise, Idaho.
Typical home $500,215 (+2.1% in a year), asking rent $1,900 (+8.4%). Boise City, ID metro.
to buy the typical home at today's mortgage rate — +$1,450 (+123%) since Jan 2020.
- 1 year
- Up $10,251 +2%
- $489,964$500,215 since Sep 2025
- 5 years
- Up $8,691 +2%
- $491,524$500,215 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Boise$2,626
- Idaho$2,502
- United States$1,922
Typical home values in Boise, ID rose 2.1% over the past year — faster than the nation's +1.2%.
Asking rents in Boise, ID rose 8.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Boise runs $1,478/mo more than renting one. The gap peaked at $1,669 in Jan 2025.
That is $3,377 a month against $1,900 rent: a $2,626 mortgage payment, plus $216 property tax and $536 insurance & upkeep.
Owning vs renting — Boise
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,377
- Renting$1,900
- Mortgage only$2,626
Property tax · $216/mo 0.52% of value a year — the ACS 2020-2024 median bill over the median home value for Ada County, ID
Insurance & upkeep · $536/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Boise, Ada County, Idaho
Boise is a city of 235,684 people in Ada County. Half its households earn more than $83,904 a year and half less, against $91,502 across Ada County; 11% of its people live below the poverty line. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Boise was 3.2% in August 2026, and Ada County had 2.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Boise is a city of residents whose typical age is a little younger than in many American towns, with incomes a little below the rest of Ada County's. Most homes are lived in by their owners, though renters make up a good part of the city, and a high share of adults hold a four-year degree. Winters are cold, with a fair amount of snow, and summers turn hot, with rain and melted snow adding up to little over the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, shops, and restaurants, hotels and entertainment. Among the city's largest workplaces are St. Luke's Regional Medical Center, Micron Technology and Boise State University. Commutes are short, a good number of people work from home, and unemployment is low and unchanged from a year earlier, with Ada County adding jobs over the past year.
Things to do. Ann Morrison Park and Julia Davis Park are gardens, both in or beside town, and the Boise Art Museum is a museum in the same part of the city. A short drive away is the Old Idaho State Penitentiary, now a museum. For winter, Bogus Basin is a ski area a longer drive away.
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- 101,178households
- 48%of adults have a degree
- 11%below the poverty line
- 19 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Ada County had 295,234 jobs in 2025, 2.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 26°; warmest in July, with highs near 93° and lows near 62°. About 18 inches of snow and 12 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Boise Air Terminal weather station, 2 miles away (NOAA).
Largest workplaces in Boise
- St. Lukes Regional Medical CenterGeneral hospital6,955FTE
- Micron TechnologySemiconductor memory chips manufacturing5,046
- Boise State UniversityUniversity or college3,647
- St. Alphonsus Regional MED CenterGeneral hospital3,272FTE
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,873
- HPWorkstations, computer, manufacturing1,151
- Simplot Headquarters - BoiseManagement of companies & enterprises1,144
- Bogus Basin Recreation AssociationAlpine skiing facilities without accommodations1,016
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 267 workplaces with 20 or more staff, 51,064 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Strong windRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Boise’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ada County and the Boise City, ID metro.
Boise home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Boise$500,215
- Idaho$476,754
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Boise listings, and the typical home goes pending in 11 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Boise31.16%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Boise11
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Boise816
New listings per month
Sellers arriving at the market.
- Boise323
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Boise$532,429
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Boise99.81%
Zip codes with a Boise address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Boise — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Boise
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 83709 | Boise | 58,928 | $2,107 | $481,813 |
| 83704 | Boise | 42,719 | $1,694 | $426,071 |
| 83706 | Boise | 35,524 | $1,900 | $508,663 |
| 83713 | Boise | 31,549 | $1,939 | $469,461 |
| 83714 | Garden City | 27,564 | $1,965 | $557,894 |
| 83705 | Boise | 26,830 | $1,633 | $423,221 |
| 83702 | Boise | 24,163 | $1,778 | $731,695 |
| 83703 | Boise | 17,583 | $1,975 | $531,168 |
| 83712 | Boise | 9,071 | $1,937 | $803,760 |