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Mortgage Calculator &
Closing Costs: Pocatello, ID

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

Median Home Price
$285K
Population
56K
Avg Monthly Rent
$1,050
Property Tax Rate
0.63%
Pocatello vs Idaho Median
The median home price in Pocatello is $285,000, which is 32% below the Idaho state median of $420,000.

Mortgage Calculator — Pocatello, ID

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

$
$57,000
%
%
years
ID avg
%
$
Monthly Payment (PITI)
$1,724
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,441
per month
Taxes & Insurance
$283
per month
Total Interest Paid
$291K
over 30 years
Total Loan Cost
$519K
all payments
Payment Breakdown
Loan Amount$228,000
Principal & Interest$1,441
Property Taxes$150
Homeowners Insurance$133
Total Monthly PITI$1,724

Closing Costs — Pocatello, ID

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

$
%
Idaho: Avg closing costs 1.5% of price. Transfer tax: 0%.
Estimated Closing Costs
$8,802
3.1% of purchase price
Lender Fees
$2,477
origination, underwriting
Third-Party
$2,875
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,450
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,052
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,725
Recording Fee$150
Prepaid Taxes (3 mo)$449
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$685
Escrow Reserves$716
Total Closing Costs$8,802

Buying a Home in Pocatello, Idaho

The median home price in Pocatello is $285,000, 32% below the Idaho state median of $420,000. With a population of 56,320, Pocatello is a smaller market where home prices tend to be more accessible than in many parts of Idaho.

Property taxes in Idaho average 0.63% annually. This low property tax rate is a significant advantage for Pocatello 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 Pocatello is $1,050/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.

Pocatello presents moderate affordability. The $285K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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Compare total costs of renting vs buying in Pocatello.
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