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Mortgage Calculator &
Closing Costs: Eagle, ID

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Eagle, Idaho.

Median Home Price
$585K
Population
32K
Avg Monthly Rent
$1,720
Property Tax Rate
0.63%
Eagle vs Idaho Median
The median home price in Eagle is $585,000, which is 39% above the Idaho state median of $420,000.

Mortgage Calculator — Eagle, ID

Pre-filled with Eagle median home price and Idaho tax/insurance rates. Adjust for your property.

$
$117,000
%
%
years
ID avg
%
$
Monthly Payment (PITI)
$3,398
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,958
per month
Taxes & Insurance
$440
per month
Total Interest Paid
$597K
over 30 years
Total Loan Cost
$1.1M
all payments
Payment Breakdown
Loan Amount$468,000
Principal & Interest$2,958
Property Taxes$307
Homeowners Insurance$133
Total Monthly PITI$3,398

Closing Costs — Eagle, ID

Estimated closing costs based on Idaho rates and fees applied to Eagle prices.

$
%
Idaho: Avg closing costs 1.5% of price. Transfer tax: 0%.
Estimated Closing Costs
$14,128
2.4% of purchase price
Lender Fees
$4,637
origination, underwriting
Third-Party
$4,375
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$5,116
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$4,212
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$3,225
Recording Fee$150
Prepaid Taxes (3 mo)$921
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$1,406
Escrow Reserves$1,188
Total Closing Costs$14,128

Buying a Home in Eagle, Idaho

The median home price in Eagle is $585,000, 39% above the Idaho state median of $420,000. With a population of 31,520, Eagle is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Idaho average 0.63% annually. This low property tax rate is a significant advantage for Eagle buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Idaho runs approximately $1,600 per year. This is within the normal range nationally.

Average rent in Eagle is $1,720/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Eagle is a higher-cost market. At $585K median, buyers need significant savings or strong income. Down payment assistance through Idaho's Idaho Housing DPA program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Eagle.
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