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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Dalton Gardens, ID Housing Affordability Index

Dalton Gardens, Idaho has an MBR Housing Affordability Index score of 72.9 (Moderately Less Affordable) as of October 30, 2026, ranking 187th most affordable of 187 scored Idaho cities, compared with 96.7 statewide and 97.4 nationally. On a median-priced $803,600 home with 20% down, the Idaho average 30-year fixed rate of 7.24% means a monthly principal and interest payment of about $4,379, or 66% of the city’s $80,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Dalton Gardens is updated every night from live Idaho mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Dalton Gardens MBR-HAI 72.9 Moderately Less Affordable
Rank in Idaho 187 of 187 1 = most affordable
Idaho 96.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.24% Idaho lenders
Median home value $803,600 U.S. Census Bureau

Dalton Gardens is 23.8 points below the Idaho score. Scores as of October 30, 2026. See the Idaho index

View Dalton Gardens Mortgage Rates

What It Takes to Buy in Dalton Gardens

$4,379/mo
Principal & Interest
Median home, 20% down, 7.24%
$187,700
Income Needed
To keep the payment at 28% of income
$80,000
Median Household Income
Idaho: $77,800
10.0x
Price-to-Income Ratio
Idaho: 5.4x
$990/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,609/yr
Median Property Tax
0.45% of median value
32.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
96.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Dalton Gardens, Idaho. The rate is the Idaho average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Dalton Gardens Ranks in Idaho

Cities with similar scores
#184Wardner78.5 #185Victor76.5 #186McCall75.0
#187Dalton Gardens72.9
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Cite the Dalton Gardens Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Dalton Gardens, Idaho score: 72.9 (Moderately Less Affordable), ranked 187 of 187 Idaho cities. monitorbankrates.com/housing-affordability-index/idaho/dalton-gardens”