Income needed to buy a home
Clearwater County, ID
$101,092
a year in household income to buy the typical Clearwater County home with 10% down.
The monthly math
Typical home value$313,024
Down payment (10%)$31,302
Loan$281,722
Principal and interest (7.40%)$1,951/mo
Property tax (0.52% a year)$134/mo
Homeowners insurance (estimate)$157/mo
Mortgage insurance$117/mo
Total monthly cost$2,359/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 $60,000 a year, 59% of what it takes.
In Idaho
Clearwater County ranks #5 of 43 for the income a home takes, from least to most.
Easiest to afford in Idaho
| County | Typical home | Income needed |
|---|---|---|
| Clark County | $254,849 | $80,457 |
| Shoshone County | $278,538 | $90,214 |
| Power County | $277,691 | $90,752 |
| Lewis County | $289,363 | $93,854 |
| 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.