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Talk to a Specialist →| Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA | ~$175–$225/mo | ~$2,100–$2,700/yr | Active construction — verify current rate with Brighton sales |
| Ada County property tax (after homestead exemption) | ~$269/mo | ~$3,230/yr | Same Ada County profile as Cadence at Bainbridge |
| Homeowners insurance | ~$110–$185/mo | ~$1,320–$2,220/yr | South Meridian inland Idaho |
| Utilities | ~$175–$275/mo | ~$2,100–$3,300/yr | Idaho Power rates |
| State income tax | $0 (most retirees) | $0 | Idaho $95,870 married deduction + SS exempt |
| Total annual housing cost (ex-mortgage) | ~$8,750–$11,450/yr — identical Ada County profile to Cadence at Bainbridge | ||
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Idaho’s combination of the $95,870 married retirement income deduction (plus Social Security separately exempt), the 50% homestead property tax exemption, and Idaho Power’s low utility rates produces annual housing costs that are substantially below comparable communities in Florida, Texas, and most other major retirement markets. The comparison that resonates most for buyers coming from California: these numbers are often $8,000–$15,000 per year lower than what they were paying in property tax alone in the Bay Area or Los Angeles.
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