WhereCanIAfford › Boise City, ID › On $125,000

Is Boise City, ID affordable on a $125,000 salary?

NO On $125,000/yr, the typical $491,851 home in Boise City, ID needs $153,990/yr ($3,593/mo). Your gap: $-28,990 — housing would be 34.5% 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. That's $28,990 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full Boise City, ID affordability breakdown → or every metro you can afford on $125,000 →