Is Boise City, ID affordable on a $1,200,000 salary?
YES
On $1,200,000/yr, the typical $491,851 home in Boise City, ID needs $153,990/yr ($3,593/mo). Your gap: +$1,046,010 — housing would be 3.6% of your gross income.
The math
491,851 price − 10% down (49,185) = 442,666 loan
30-yr fixed at 7.18% on 442,666 = 2,999/mo principal+interest
+ 594/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,593/mo PITI ÷ 0.28 = 12,832/mo → 153,990/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Boise City, ID?
You need about $153,990/yr for the typical home. On $1,200,000 you already clear it by $1,046,010.