State rental market reference · Data updated October 18, 2026
Idaho rental market for DSCR investors: rent, taxes and insurance by county
What a rental in Idaho rents for, what it costs to carry, and whether it stays rented, from official data for all 44 counties. Read it before you price a deal here.
Idaho at a glance
What does a rental rent for?
$1,507 a month
HUD's FY2027 2-bedroom Fair Market Rent where most of Idaho's renters live, from $1,014 (Fremont County) to $1,673 (Blaine County). It is the government figure for a modest 2-bedroom unit, utilities included, not the rent for a house.
What will property taxes cost?
0.49% of value a year
Homeowners in Idaho pay a median $2,038 a year on a median home value of $418,600 (Census ACS 2020–2024). A rental can be taxed at a different rate than an owner's home; the local tax bill is the real number.
What will insurance cost?
$970 a year
The median that homeowners with a mortgage in Idaho report paying for homeowners insurance (Census ACS 2020–2024). It is not a landlord quote: a rental policy usually costs more, and flood cover is extra.
Will it stay rented?
3.9% rental vacancy
Share of Idaho's rental homes vacant and for rent (Census ACS 2020–2024), across 198,644 renter households. Lower means rentals fill faster.
Are jobs growing?
Employment down 0.9% in a year
Employed residents in August 2026 against a year earlier; unemployment 3.5% (BLS, not seasonally adjusted, so compare the same month a year apart).
Is new supply coming?
17,944 homes permitted in 2025
About 25.2 new homes per 1,000 households; 79% single-family (Census Building Permits Survey). More new homes means more competition for tenants and buyers.
How often does it flood?
605 flood claims since 2005
National Flood Insurance Program claims on properties in Idaho since 2005, $6.2 million paid (FEMA). Claims show where water has reached insured buildings; they are not a flood map, so check the FEMA flood zone for the address.
What it means for a DSCR rental in Idaho
A lender's DSCR is the monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance and any HOA dues. Many lenders accept 1.00x; 1.20x leaves a cushion.
Take a home at Idaho's median value of $418,600, bought with 25% down on a 7.5% 30-year loan, with the state's typical tax rate and insurance:
- Principal and interest ($313,950 loan)
- $2,195
- Property taxes
- $171
- Insurance
- $81
- Full monthly payment
- $2,447
- Rent for a 1.20x DSCR
- $2,940 a month
The government 2-bedroom figure where most of Idaho's renters live is $1,507 a month, below the $2,940 that home needs. A house usually rents for more than a 2-bedroom unit, so price the house you are looking at with its own rent. The last column of the table below gives the same figure for each county.
Rules and costs a landlord faces in Idaho
Each line quotes the official source it comes from and the date it was last checked. These are general rules, not legal advice; local rules can add to them.
- How long before you can file to evict for unpaid rent?
3 calendar days' notice for unpaid rent before an eviction can be filed.
after default in the payment of rent, pursuant to the lease or agreement under which the property is held, and three (3) days' notice, in writing, requiring its payment, stating the amount which is due, or possession of the property, shall have been served upon him
Idaho State Legislature, checked October 19, 2026
- How fast must the deposit come back?
Within 21 days after the tenancy ends.
Refunds shall be made within twenty-one (21) days if no time is fixed by agreement and, in any event, within thirty (30) days after surrender of the premises by the tenant.
Idaho State Legislature, checked October 19, 2026
- Can rents be capped?
State law bars cities and counties from capping rents.
A local governmental unit shall not enact, maintain, or enforce an ordinance or resolution that would have the effect of ... otherwise regulate rent, fees, or deposits charged for leasing private residential property.
Idaho State Legislature, checked October 19, 2026
- Is a rental taxed like the owner's home?
A rental does not get the owner's homestead benefit.
the first one hundred twenty-five thousand dollars ($125,000) of the market value ... or fifty percent (50%) of the market value ... whichever is the lesser, shall be exempt from property taxation. ... The homestead is owner-occupied and used as the primary dwelling place of the owner.
Idaho State Legislature, checked October 19, 2026
Market hubs in Idaho
DSCRInfo does not publish a monthly market hub in Idaho yet. The figures above and the table below cover every county; the market hubs cover other states.
Idaho by county
All 44 counties, most renter households first. "Rent for 1.20x" is the monthly rent a home at that county's median value needs on the example loan above. A dash means the source publishes no reliable figure there.
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Ada County | $1,540 | 0.52% | $950 | 4.1% | -0.2% | 5,221 | 82 | $3,590 |
| Canyon County | $1,540 | 0.52% | $860 | 3.9% | -0.2% | 3,929 | 11 | $2,740 |
| Kootenai County | $1,507 | 0.44% | $990 | 4.9% | -1.7% | 1,705 | 32 | $3,590 |
| Bonneville County | $1,274 | 0.50% | $1,040 | 3.8% | -2.3% | 1,219 | 11 | $2,610 |
| Twin Falls County | $1,285 | 0.61% | $950 | 3.4% | -1.5% | 527 | 8 | $2,430 |
| Bannock County | $1,251 | 0.64% | $930 | 4.7% | -2.8% | 592 | 27 | $2,180 |
| Madison County | $1,159 | 0.48% | $1,070 | 3.9% | -2.9% | 842 | 1 | $2,920 |
| Latah County | $1,043 | 0.64% | $960 | 3.6% | -1.0% | 240 | 33 | $2,650 |
| Nez Perce County | $1,234 | 0.78% | $1,050 | 3.3% | -0.3% | 272 | 1 | $2,470 |
| Bonner County | $1,328 | 0.38% | $1,200 | 4.4% | +0.2% | 207 | 22 | $3,380 |
| Elmore County | $1,285 | 0.54% | $910 | 0.2% | -2.4% | 164 | 11 | $2,250 |
| Bingham County | $1,017 | 0.50% | $1,060 | 3.5% | -1.7% | 207 | 8 | $2,100 |
| Blaine County | $1,673 | 0.38% | $990 | 4.5% | -0.2% | 113 | 254 | $5,010 |
| Cassia County | $1,080 | 0.41% | $970 | 6.4% | -0.7% | 112 | 2 | $2,000 |
| Minidoka County | $1,062 | 0.48% | $950 | 5.9% | +0.0% | 156 | 3 | $1,870 |
| Payette County | $1,071 | 0.40% | $960 | 1.6% | -2.0% | 181 | 15 | $2,380 |
| Jerome County | $1,166 | 0.63% | $890 | 1.1% | -1.6% | 143 | 0 | $1,970 |
| Gem County | $1,071 | 0.33% | $1,010 | 1.6% | -0.3% | 144 | 3 | $2,940 |
| Jefferson County | $1,274 | 0.45% | $1,080 | 0.3% | -2.2% | 312 | 6 | $2,860 |
| Gooding County | $1,053 | 0.51% | $1,040 | 4.1% | -2.0% | 36 | 0 | $1,810 |
| Shoshone County | $1,202 | 0.50% | $950 | 1.9% | +0.0% | 51 | 17 | $1,910 |
| Idaho County | $1,036 | 0.32% | $950 | 2.9% | +0.5% | 6 | 2 | $2,150 |
| Boundary County | $1,026 | 0.39% | $1,020 | 2.2% | +0.9% | 32 | 2 | $2,850 |
| Owyhee County | $1,540 | 0.40% | $1,090 | 0.0% | -0.6% | 36 | 0 | $2,520 |
| Benewah County | $1,117 | 0.49% | $1,040 | 0.3% | -0.9% | 57 | 7 | $2,090 |
Show the other 19 counties
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Franklin County | $1,265 | 0.40% | $1,130 | 0.0% | -0.8% | 64 | 1 | $2,610 |
| Washington County | $1,163 | 0.49% | $1,020 | 0.6% | -2.2% | 69 | 9 | $1,990 |
| Teton County | $1,343 | 0.31% | $1,250 | 10.2% | +1.7% | 384 | 4 | $4,680 |
| Fremont County | $1,014 | 0.44% | $1,050 | 0.6% | +0.1% | 156 | 6 | $2,220 |
| Valley County | $1,249 | 0.30% | $1,130 | 9.9% | -0.4% | 268 | 0 | $4,440 |
| Power County | $1,014 | 0.70% | $1,100 | 0.0% | -1.2% | 5 | 0 | $1,600 |
| Lemhi County | $1,037 | 0.35% | $1,030 | 1.8% | -2.4% | 49 | 15 | $2,270 |
| Clearwater County | $1,108 | 0.54% | $1,090 | 13.6% | -0.7% | 38 | 3 | $1,940 |
| Caribou County | $1,014 | 0.56% | $1,040 | 6.8% | -4.3% | 18 | 1 | $1,760 |
| Custer County | $1,136 | 0.29% | $1,120 | 3.5% | +5.4% | 32 | 0 | $2,620 |
| Lincoln County | $1,047 | 0.43% | $910 | 0.0% | -1.3% | 16 | 2 | $1,810 |
| Lewis County | $1,014 | 0.60% | $1,190 | 4.1% | -1.7% | 41 | 0 | $1,670 |
| Boise County | $1,540 | 0.34% | $1,270 | 10.3% | -0.2% | 108 | 1 | $3,280 |
| Adams County | $1,014 | 0.36% | $1,450 | 7.5% | +0.8% | 11 | 2 | $2,650 |
| Butte County | $1,174 | 0.49% | $1,200 | 0.0% | -2.1% | 9 | 0 | $1,600 |
| Bear Lake County | $1,057 | 0.41% | $1,140 | 0.0% | -4.2% | 128 | 0 | $1,960 |
| Oneida County | $1,111 | 0.44% | $1,190 | 0.0% | -2.1% | 28 | 1 | $1,950 |
| Clark County | $1,014 | 0.33% | – | – | +0.8% | 2 | 0 | – |
| Camas County | $1,111 | 0.37% | $1,180 | – | -3.1% | 14 | 0 | $2,140 |
Where these numbers come from
- 2-bedroom Fair Market Rent
- HUD's FY2027 Fair Market Rents, in effect from October 1, 2026: the rent and utilities of a modest 2-bedroom unit, set for housing vouchers. It is not a house rent. Where HUD publishes by town (New England), the county shows the range. HUD Fair Market Rents
- Property tax, insurance, vacancy and home value
- Census American Community Survey 5-year estimates, 2020–2024. Property tax is the median tax paid divided by the median home value of owner-occupied homes. Insurance is the median that owners with a mortgage report paying, not a landlord quote. Rental vacancy is homes vacant for rent divided by all rental homes. Figures from too few homes are left blank. American Community Survey
- Jobs
- BLS Local Area Unemployment Statistics: employed residents in August 2026 against the same month a year earlier, not seasonally adjusted. BLS LAUS
- Permits
- Census Building Permits Survey: new housing units authorized in 2025, all building sizes. Building Permits Survey
- Flood claims
- FEMA National Flood Insurance Program claims with a loss in 2005 or later, and the net amount paid. Only insured buildings appear. Check a flood zone
These are screening figures for comparing places, not a quote, an appraisal or a loan offer. Idaho total flood payments since 2005: $6.2 million.