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Talk to a Specialist →| Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA | ~$150–$210/mo | ~$1,800–$2,520/yr | Established — verify current rate and 5-year history |
| Ada County property tax (after homestead exemption) | ~$171/mo | ~$2,090/yr | $350K home; homestead reduces taxable value by $125K; effective ~0.76% |
| Homeowners insurance | ~$85–$145/mo | ~$1,020–$1,740/yr | Lower premium from lower home value; Garden City inland location |
| Utilities | ~$150–$250/mo | ~$1,800–$3,000/yr | Idaho Power rates |
| State income tax | $0 (most retirees) | $0 | Idaho $95,870 married deduction + SS exempt |
| Total annual housing cost (ex-mortgage) | ~$6,710–$9,260/yr — lowest all-in cost of any established Boise 55+ community | ||
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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.
Tell us your target community and purchase price — we will build the full Idaho tax breakdown for your situation.
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