How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $147 per month ($1,764/year) when you move from Montana to Idaho.
If you sell your median-priced Montana home ($430K) and buy in Idaho ($420K):
Your Montana equity covers the 20% down payment on a median Idaho home with $45K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $18K in housing costs alone.
Your dollar stretches further in Idaho. The median home costs 2% less than in Montana, which translates to a $10K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
When you buy in Idaho, expect about $6K in closing costs (1.5% of purchase price). Idaho has no transfer tax, which helps keep your upfront costs lower. Budget for this amount on top of your down payment.
Idaho's Idaho Housing DPA offers Up to 7% second mortgage. If you haven't owned a home in three years (or are buying in Idaho for the first time), you may qualify. Check eligibility requirements and income limits on Idaho's housing finance agency website.