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

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

NO On $125,000/yr, the typical $493,522 home in Boise City, ID needs $151,565/yr ($3,537/mo). Your gap: $-26,565 — housing would be 34% of your gross income.

The math

493,522 price − 10% down (49,352) = 444,170 loan
30-yr fixed at 6.95% on 444,170 = 2,940/mo principal+interest
+ 596/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,537/mo PITI ÷ 0.28 = 12,630/mo → 151,565/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Boise City, ID?

You need about $151,565/yr for the typical home. That's $26,565 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 →