Thinking About Moving to Idaho? Know What It Really Costs to Live Here
Idaho has become a popular destination for people looking for a simpler, more affordable lifestyle. With its scenic beauty, outdoor recreation, and growing job market, it's easy to see why many move here. But what’s the actual cost of living in Idaho? This guide will help you understand the real expenses—including housing, utilities, transportation, and day-to-day lifestyle costs.
Is Idaho Affordable to Live In?
Compared to the national average, Idaho offers a reasonably low cost of living. However, rising demand in certain cities has increased housing and rental costs. Still, many areas remain budget-friendly, especially when compared to neighboring states like California or Washington.
Here's how Idaho stacks up nationwide:
- Overall cost of living: About 2–6% lower than the national average
- Housing: Around 15–25% lower in rural areas
- Utilities and groceries: Slightly below national average
- Healthcare and transportation: On par with or just below average
Average Housing Costs in Idaho
The largest factor in Idaho’s cost of living is housing. Prices vary widely between urban and rural areas. Boise, for example, has seen a price surge, while smaller cities remain affordable.
Typical housing costs by area:
- Boise: Median home price around $450,000
- Idaho Falls: Median home price near $330,000
- Twin Falls and Pocatello: Homes average $280,000–$320,000
- Rural areas: Homes under $250,000 possible
For renters in Idaho:
- 1-bedroom apartment in Boise: $1,200+
- 1-bedroom in Idaho Falls or Pocatello: $850–$1,000
- Studio or basement rentals in rural towns: $600–$800
Property taxes in Idaho are considered low. The statewide average property tax rate is 0.63%, well below the national average.
How Much Are Utilities in Idaho?
Utility costs in Idaho tend to be affordable. Thanks to hydroelectric energy, power bills are lower than in many other states.
Here’s what you might pay each month:
- Electricity: $95–$115
- Natural gas: $40–$55
- Water and sewer: $40–$70
- Trash: $15–$25
- Internet: $60–$85 for standard service
Winters can get cold depending on where you live, which may increase heating costs. However, modern homes and proper insulation minimize year-round energy usage.
Everyday Expenses: Groceries, Healthcare, Transportation
Essentials in Idaho are mostly in line with the national average. You'll notice some savings when it comes to groceries and healthcare if you shop smart.
What Do Groceries Cost in Idaho?
Food prices are stable and often cheaper than in larger metro areas. Local farmer's markets also help save money and offer fresh produce.
Estimated monthly grocery bill for a single adult: $275–$350
Examples of average prices in Idaho:
- Gallon of milk: $3.30
- Dozen eggs: $2.50
- Chicken (per lb): $2.50–$3.50
- Bread: $2.50
What About Healthcare Costs?
Healthcare in Idaho is fairly priced. Monthly premiums and medical service costs are close to the national average.
- Primary care visit: $95–$140 with no insurance
- Health insurance premium (individual): $400–$600/month
- Generic prescriptions: Often under $15
Many employers offer health coverage, which helps manage expenses. Telehealth and community clinics are growing in availability as well.
Cost of Transportation in Idaho
Driving is the main mode of transport in Idaho. Gasoline is often more affordable here than in the U.S. average.
- Gasoline per gallon: $3.60–$4.10 (fluctuates seasonally)
- Car insurance: $800–$1,200 yearly on average
- Public transportation (limited to cities): ~$40/month for bus passes
Keep in mind, rural areas require personal vehicles. But shorter commutes make fuel expenses manageable.
Understanding Lifestyle Costs in Idaho
How much does it cost to enjoy life in Idaho? The answer largely depends on your hobbies and location, but recreational opportunities are often free or low-cost.
Entertainment and Dining
- Restaurant meal for one: $15–$20
- Movie ticket: $10–$14
- Gym membership: $30–$60 per month
- State park annual pass: $10–$80 (depends on park access level)
Outdoor lovers can take advantage of Idaho’s lakes, mountains, and hiking trails at little to no cost. Farmers markets, festivals, and community events are frequent and affordable ways to enjoy your time here.
How Much Money Do You Need to Live Comfortably in Idaho?
Your personal budget will vary based on lifestyle, family size, and location. But here’s a simplified breakdown for a comfortable life as an individual or couple, excluding children:
- Rent: $850–$1,200
- Utilities: $150–$250
- Groceries: $300–$400
- Gas and car expenses: $150–$250
- Dining and extras: $150–$300
Total estimated monthly cost: $1,600–$2,400
This budget allows for comfort without sacrificing savings or taking on unnecessary debt. It’s possible to live frugally in Idaho while still enjoying a great quality of life.
FAQs About Living in Idaho Affordably
What is the average salary in Idaho?
The average income in Idaho is around $52,000 annually. Wages vary depending on profession and region. Popular fields include healthcare, agriculture, tech, and education.
Is Idaho cheaper than Washington or Oregon?
Yes. Idaho generally has lower housing and tax costs than Washington or Oregon. That’s why it’s a common relocation choice for families from the Pacific Northwest.
Is Idaho a good state for retirees?
Yes. Retirees often choose Idaho for its moderate taxes, peaceful communities, and outdoor attractions. Medical care access is growing in many areas with aging populations.
Does Idaho have a state income tax?
Yes. Idaho has a state income tax with brackets ranging from about 1% to 6%. However, overall tax burden is lower than in many other states.
Final Thoughts: Idaho Living on a Budget
Idaho continues to be one of the most appealing places to live in the western U.S. With proper planning and budgeting, you can enjoy a high quality of life at a relatively low cost. Whether you're moving for better housing prices, slower-paced living, or outdoor adventures, Idaho welcomes you with affordability, safety, and opportunity.
