Income needed to buy a home
Franklin County, ID
$141,099
a year in household income to buy the typical Franklin County home with 10% down.
The monthly math
Typical home value$443,524
Down payment (10%)$44,352
Loan$399,172
Principal and interest (7.40%)$2,764/mo
Property tax (0.38% a year)$140/mo
Homeowners insurance (estimate)$222/mo
Mortgage insurance$166/mo
Total monthly cost$3,292/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 $71,950 a year, 51% of what it takes.
In Idaho
Franklin County ranks #30 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 |
| Clearwater County | $313,024 | $101,092 |
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.