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

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

NO On $125,000/yr, the typical $497,239 home in Boise City, ID needs $149,382/yr ($3,486/mo). Your gap: $-24,382 — housing would be 33.5% of your gross income.

The math

497,239 price − 10% down (49,724) = 447,515 loan
30-yr fixed at 6.69% on 447,515 = 2,885/mo principal+interest
+ 601/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,486/mo PITI ÷ 0.28 = 12,448/mo → 149,382/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Boise City, ID?

You need about $149,382/yr for the typical home. That's $24,382 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 →