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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Idaho residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Idaho, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Kuna, Idaho
- Payment to income ratio: 37.2%
- Median sale price: $453,669
- Median household income: $93,545
- Income needed to buy: $115,850
- Median monthly mortgage payment: $2,896
- See homes for sale in Kuna on

#2. Meridian, Idaho
- Payment to income ratio: 42.7%
- Median sale price: $550,061
- Median household income: $98,686
- Income needed to buy: $140,465
- Median monthly mortgage payment: $3,512
- See homes for sale in Meridian on

#3. Nampa, Idaho
- Payment to income ratio: 43.7%
- Median sale price: $411,269
- Median household income: $72,122
- Income needed to buy: $105,023
- Median monthly mortgage payment: $2,626
- See homes for sale in Nampa on

#4. Middleton, Idaho
- Payment to income ratio: 45.3%
- Median sale price: $495,033
- Median household income: $83,681
- Income needed to buy: $126,413
- Median monthly mortgage payment: $3,160
- See homes for sale in Middleton on

#5. Caldwell, Idaho
- Payment to income ratio: 45.6%
- Median sale price: $396,593
- Median household income: $66,663
- Income needed to buy: $101,275
- Median monthly mortgage payment: $2,532
- See homes for sale in Caldwell on

#6. Star, Idaho
- Payment to income ratio: 49.5%
- Median sale price: $589,782
- Median household income: $91,318
- Income needed to buy: $150,608
- Median monthly mortgage payment: $3,765
- See homes for sale in Star on

#7. Boise, Idaho
- Payment to income ratio: 50.3%
- Median sale price: $534,089
- Median household income: $81,308
- Income needed to buy: $136,387
- Median monthly mortgage payment: $3,410
- See homes for sale in Boise on

#8. Emmett, Idaho
- Payment to income ratio: 51.0%
- Median sale price: $389,518
- Median household income: $58,523
- Income needed to buy: $99,468
- Median monthly mortgage payment: $2,487
- See homes for sale in Emmett on

#9. Eagle, Idaho
- Payment to income ratio: 55.8%
- Median sale price: $860,150
- Median household income: $118,037
- Income needed to buy: $219,650
- Median monthly mortgage payment: $5,491
- See homes for sale in Eagle on

#10. Garden City, Idaho
- Payment to income ratio: 62.9%
- Median sale price: $548,904
- Median household income: $66,859
- Income needed to buy: $140,170
- Median monthly mortgage payment: $3,504
- See homes for sale in Garden City on