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

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

A STRETCH On $125,000/yr, the typical $496,288 home in Boise City, ID needs $146,317/yr ($3,414/mo). Your gap: $-21,317 — housing would be 32.8% of your gross income.

The math

496,288 price − 10% down (49,629) = 446,659 loan
30-yr fixed at 6.47% on 446,659 = 2,814/mo principal+interest
+ 600/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,414/mo PITI ÷ 0.28 = 12,193/mo → 146,317/yr required

against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).

What salary WOULD clear Boise City, ID?

You need about $146,317/yr for the typical home. That's $21,317 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 →