Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Idaho and Massachusetts. Updated for 2026.
Metric
Idaho
Massachusetts
Median Home Price
$420K
$595K
Property Tax Rate
0.63%
1.2%
Avg Closing Costs
$6K
$10K
Closing Cost %
1.5%
1.6%
Transfer Tax
None
0.456%
Homeowners Insurance
$1,600/yr
$2,200/yr
First-Time Buyer Program
Idaho Housing DPA
Up to 7% second mortgage
MassHousing DPA
Up to $50,000 DPA loan
Verdict
Idaho wins 6 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $420K and lower overall costs, Idaho offers meaningful savings compared to Massachusetts. Both states offer first-time buyer programs — explore the state pages for full details.