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Talk to a Specialist →| Component | Monthly (est.) | Annual (est.) | Notes |
|---|---|---|---|
| HOA | ~$175–$225/mo | ~$2,100–$2,700/yr | Brighton Cadence — verify current rate |
| Ada County property tax (after homestead exemption) | ~$269/mo | ~$3,230/yr | Effective ~0.76%; $125K homestead reduction on $575K home |
| Homeowners insurance | ~$110–$185/mo | ~$1,320–$2,220/yr | 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 | ||
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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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