Income needed to buy a home
Clark County, ID
$80,457
a year in household income to buy the typical Clark County home with 10% down.
The monthly math
Typical home value$254,849
Down payment (10%)$25,485
Loan$229,364
Principal and interest (7.40%)$1,588/mo
Property tax (0.31% a year)$66/mo
Homeowners insurance (estimate)$127/mo
Mortgage insurance$96/mo
Total monthly cost$1,877/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $55,208 a year, 69% of what it takes.
In Idaho
Clark County ranks #1 of 43 for the income a home takes, from least to most.
Easiest to afford in Idaho
| County | Typical home | Income needed |
|---|---|---|
| Shoshone County | $278,538 | $90,214 |
| Power County | $277,691 | $90,752 |
| Lewis County | $289,363 | $93,854 |
| Clearwater County | $313,024 | $101,092 |
| Lincoln County | $320,246 | $102,384 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.