Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Idaho and Illinois. Updated for 2026.
Metric
Idaho
Illinois
Median Home Price
$420K
$270K
Property Tax Rate
0.63%
2.07%
Avg Closing Costs
$6K
$5K
Closing Cost %
1.5%
2.0%
Transfer Tax
None
0.1%
Homeowners Insurance
$1,600/yr
$1,900/yr
First-Time Buyer Program
Idaho Housing DPA
Up to 7% second mortgage
IHDA 1stHomeIllinois
$7,500 forgivable loan
Verdict
Idaho wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Illinois has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.