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Mortgage Calculator &
Closing Costs: Twin Falls, ID

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

Median Home Price
$315K
Population
52K
Avg Monthly Rent
$1,120
Property Tax Rate
0.63%
Twin Falls vs Idaho Median
The median home price in Twin Falls is $315,000, which is 25% below the Idaho state median of $420,000.

Mortgage Calculator — Twin Falls, ID

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

$
$63,000
%
%
years
ID avg
%
$
Monthly Payment (PITI)
$1,891
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,593
per month
Taxes & Insurance
$298
per month
Total Interest Paid
$321K
over 30 years
Total Loan Cost
$573K
all payments
Payment Breakdown
Loan Amount$252,000
Principal & Interest$1,593
Property Taxes$165
Homeowners Insurance$133
Total Monthly PITI$1,891

Closing Costs — Twin Falls, ID

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

$
%
Idaho: Avg closing costs 1.5% of price. Transfer tax: 0%.
Estimated Closing Costs
$9,334
3.0% of purchase price
Lender Fees
$2,693
origination, underwriting
Third-Party
$3,025
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$3,616
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,268
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,875
Recording Fee$150
Prepaid Taxes (3 mo)$496
Prepaid Insurance (12 mo)$1,600
Prepaid Interest (15 days)$757
Escrow Reserves$763
Total Closing Costs$9,334

Buying a Home in Twin Falls, Idaho

The median home price in Twin Falls is $315,000, 25% below the Idaho state median of $420,000. With a population of 51,807, Twin Falls 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 Twin Falls 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 Twin Falls is $1,120/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.

Twin Falls presents moderate affordability. The $315K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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