Affordability evidence
Nampa, ID home values, income, and owner costs
A borrower-focused reading of the latest ACS value, income, and owner-cost evidence for Nampa, ID.
Source: U.S. Census Bureau
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The local figures answer the first question: In Nampa, ID, the 2024 ACS reports a median owner-occupied home value of $370,800, median household income of $74,279, and median selected monthly owner costs of $1,566 for owners with a mortgage. For borrower planning, together, those three reference points may help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $1,566 measure combines recurring ownership expenses in place of real estate taxes alone. A useful affordability review starts with $370,800, $74,279, and $1,566, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.
Nampa, ID's $370,800 median home-value estimate is below the statewide $418,600 estimate, with a reported city-to-state gap of 11.4%. For borrower planning, that 11.4% gap is useful for showing that a statewide midpoint may be a poor substitute for a local search range in Nampa, ID.