Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Arizona and Idaho. Updated for 2026.
Metric
Arizona
Idaho
Median Home Price
$380K
$420K
Property Tax Rate
0.62%
0.63%
Avg Closing Costs
$6K
$6K
Closing Cost %
1.6%
1.5%
Transfer Tax
None
None
Homeowners Insurance
$2,100/yr
$1,600/yr
First-Time Buyer Program
Home Plus AZ
Up to 5% DPA grant
Idaho Housing DPA
Up to 7% second mortgage
Verdict
Arizona wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $380K and lower overall costs, Arizona offers meaningful savings compared to Idaho. Both states offer first-time buyer programs — explore the state pages for full details.