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City Housing Verdict

Rathdrum, ID

Stretch

The cost of living in Rathdrum, ID is 6% above the national average (Cost Index: 106). Homes here are typically valued around $381,800, compared to the $303,400 national median. The median household income is $86,431 — overall, living costs and earnings are reasonably balanced in this area.

Rathdrum sits in the stretch zone: not impossible, but household feasibility will depend heavily on rent, down payment, debt load, and whether you are renting or buying. Start with the verdict panel, then compare scenarios before treating this city as affordable.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Safe

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Rathdrum.

Monthly Housing
$1,412/mo
Lower of rent or buy scenario
Housing Burden
20%
Healthy
Residual Cash
$5,291/mo
After housing and debt · $1,764/person
Rent vs Buy
Renting is the lower-pressure baseline
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ACSRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 27%
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Cost Index
106
Average
Based on housing costs · See methodology
Median Home Value
$381,800
Source: Census ACS
National: $303,400
Median Rent
$1,412/mo
Source: Census ACS
National: $1,348/mo
Household Income
$86,431
National: $78,538
Population
10,133
Purchasing Power
104
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
126 / 100
26% above average
Rent Index
105 / 100
Close to average
Goods & Groceries
96 / 100
About the same as most US cities
Utilities
71 / 100
29% lower utility bills
Healthcare & Services
99 / 100
In line with national average
Overall Index
106
Average

Rathdrum Mortgage Calculator

Pre-filled with the local median home value of $381,800 and Idaho's property tax rate of 0.63%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$86,431
Census ACS place context
Rent Burden Estimate
20%
Typical annual rent / local household income
Home Price to Income
4.4x
Typical home value / local household income
Use this section to judge whether Rathdrum looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Rathdrum, ID

Est. Annual Property Tax
$2,405
Monthly Impact
$200
Added to your mortgage
Effective Rate
0.63%
National avg: ~1.00%

Idaho Place Tax Context

Tax TypeIdahoNational Avg
Property Tax Rate0.63%1.00%
Top Income Tax Rate5.8%~5.0%
State Sales Tax6.02%~5.0%

Compare Rathdrum to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Rathdrum, ID
106
105
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Rathdrum, ID: 126
Rent Prices
105

FAQ: Living in Rathdrum

What is the cost of living like in Rathdrum, ID?+

Living costs in Rathdrum land close to the national average, with a Cost Index of 106 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $381,800, and typical monthly rents run around $1,412. Groceries and utilities are slightly below what you would find in most US cities.

How does Rathdrum fit a household housing budget?+

Start with housing. Typical monthly rent is $1,412, while local median household income is $86,431. That implies a rent-burden proxy of about 20% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Rathdrum, ID?+

Idaho has a progressive state income tax with a top rate of 5.8%. The effective property tax rate is 0.63%. On a home worth $381,800, that translates to roughly $2,405 per year in property taxes. Sales tax (state + local) averages around 6.02% on everyday purchases.

How much does it cost to rent in Rathdrum, ID?+

The typical monthly rent in Rathdrum is around $1,412. That's close to the $1,348 national median. For comparison, the median home value here is $381,800, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Rathdrum, ID?+

The median home in Rathdrum is valued at $381,800. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,931/month for principal and interest alone — before property taxes and insurance. About 79% of residents here own their homes.

Are groceries and utilities expensive in Rathdrum?+

Grocery prices in Rathdrum are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 71). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Rathdrum, ID like to live in?+

Rathdrum is a small town with a population of about 10,133. The median age of residents is 35.8, which is close to the national median. The local poverty rate is 9.89%, near the national average of 12.4%.

Lower-Pressure Alternatives in Idaho

If Rathdrum feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Idaho

Use these city pages when you want to compare Rathdrum against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly