Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Idaho and Pennsylvania. Updated for 2026.
Metric
Idaho
Pennsylvania
Median Home Price
$420K
$280K
Property Tax Rate
0.63%
1.36%
Avg Closing Costs
$6K
$5K
Closing Cost %
1.5%
1.7%
Transfer Tax
None
2%
Homeowners Insurance
$1,600/yr
$1,400/yr
First-Time Buyer Program
Idaho Housing DPA
Up to 7% second mortgage
PHFA Keystone Advantage
Up to $6,000 DPA
Verdict
Idaho and Pennsylvania are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.