Is it the right time for you to buy a home in Boise?

Maybe you are tired of renting. Maybe you've had a baby or two and are outgrowing your current home. Or possibly a new job is bringing you to our great city. No matter the reason, you are looking to buy a home in Boise.Is it time to buy a home in Boise

Deciding if it is the right time to buy a home in Boise can be both exciting and scary. Even if you've bought one before, a home is the single largest purchase most people will ever make. Thus, the decision should be made with careful consideration.

Consider the cost to buy a home in Boise

One of the more major things to think about as you contemplate whether or not to buy a home in Boise should be how your new mortgage will affect your budget. Consider any upcoming life changes such as adding a child, changing jobs, going back to school, etc. Keep in mind that a lender may qualify you to buy a home in Boise that is priced considerably higher than what would fit comfortably into your budget.

To gage where the right mortgage for your budget might be, use these helpful tips:

  • A buyer can typically afford a mortgage two to three times their gross income. For example, if your gross income is $100,000, then you may be looking at a mortgage in the $200,000 to $300,000 range.

  • Know how much cash you have available for a down payment. The more you are able to put down, the more you can save on a mortgage. Plus, if you can put down 20% or more, you can avoid paying private mortgage insurance, which can save you $100s on your mortgage each month.

  • Your monthly mortgage payment (including principal, interest, taxes, and insurance) should be less than 28% of your gross income.

  • The sum of all of your bills (including your mortgage, car payments, utilities, credit cards, etc.) should be less than 41% of your gross income.

  • Due to the tax benefits of home ownership, your mortgage payment could be 1/3 more than your monthly rent and still provide you with the same net at the end of the year.

Connect with a local Boise buyer's agent

Remember that when you decide you are ready to buy a home in Boise you don't have to walk through the process alone. A real estate agent is not just a person with access to the MLS database, but someone who can provide you with valuable market knowledge. The local buyer's agents at TripleCord Real Estate know the area and can help you buy a home in Boise that suits your needs and your pocket book. We can also guide you through every step of the process, from deciding between a pre-owned home or a newly built one, to making the offer, and negotiating after the inspection.

The home buying process can be intimidating, but with the right preparation and consideration you can confidently buy a new home in Boise to live in for years to come!

 

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Newest Boise Area Homes for Sale

$1,640,000
4 Beds ⋅ 4 Baths ⋅ 3,227 SqFt. ⋅ 0.24 Acres ⋅ 99000647 MLS
Some homes simply offer a place to live. This one offers a legacy. Set along Boise’s historic Warm Springs Avenue, this distinguished 1937 brick residence is a rare convergence of timeless architecture, modern comfort and remarkable versatility. The gracious main home offers 4 bedrooms, 3.5 baths, a finished basement, hardwood floors, a gas fireplace and beautifully composed spaces for both quiet mornings and memorable gatherings. Beyond the home, a fully fenced corner lot, mature gardens and geothermal water create a setting rich with character. A separate detached dwelling provides exceptional flexibility for future rental income, multigenerational living, private guest accommodations or a secluded studio. The ADU is currently occupied by a tenant who will vacate September 25. Complete with a two-car attached garage, no HOA and one of Boise’s most treasured historic addresses, this is more than a residence—it is an opportunity to own two distinct living spaces and an enduring piece of Boise history.

1120 E Warm Springs Ave, Boise
$549,900
3 Beds ⋅ 3 Baths ⋅ 1,999 SqFt. ⋅ 0.16 Acres ⋅ 99000642 MLS
Welcome to this beautifully maintained home in one of Northwest Boise's most desirable neighborhoods, where pride of ownership is evident throughout. Lovingly cared for and in exceptional condition, this custom home offers quality craftsmanship, thoughtful design, and modern finishes in a location that's hard to beat. Enjoy the freedom of no HOA while being just minutes from shopping, the Greenbelt, parks, and convenient access to Highway 55. The highly sought-after floor plan features all bedrooms upstairs, creating a functional separation between living and private spaces.The spacious kitchen is the heart of the home, showcasing a large center island, LG appliances, an oversized pantry, and abundant counter space perfect for entertaining or everyday living. Every bedroom has generous storage throughout. Additional highlights include dual-zone smart thermostats for year-round comfort, a fully insulated garage with a steel-backed garage door and ultra-quiet opener, automatic sprinklers, and a low-maintenance yard.

10386 W Shields Ave, Boise
$799,000
3 Beds ⋅ 3 Baths ⋅ 1,753 SqFt. ⋅ 0.07 Acres ⋅ 99000626 MLS
Newer construction in the heart of Boise's North End, just steps from Camel's Back Park, Highlands Hollow trail, and Hyde Park. A lush landscape welcomes you into an open-concept main floor built for easy living, with a brick fireplace, ample storage, shiplap accents, a white oak bar, and a built-in dining bench that make the space feel warm from day one. The kitchen delivers with crisp gray cabinetry, subway tile backsplash, quartz counters, and stainless appliances, all wrapped around a warm breakfast nook and walk in pantry. Upstairs, the primary suite offers its own private sitting area with room to unwind and tree top sunset views, while the secondary bedroom is flexible enough for a combined guest room home office. Just minutes from downtown Boise, this home blends walkable North End living with modern finishes throughout. The backyard has maintenance free xeriscape and raised garden beds with espalier fruit trees. Walk to coffee, Certified Bakery, and enjoy this low-maintenance haven.

2320 N 16th St, Boise
$674,900
4 Beds ⋅ 3 Baths ⋅ 2,102 SqFt. ⋅ 0.17 Acres ⋅ 99000621 MLS
Some homes simply feel special—and this beautifully appointed Hidden Springs residence captures the essence of relaxed, refined living. From the gracious wrap-around front porch to the light-filled interiors, every space feels welcoming, peaceful, and effortlessly livable. Gorgeous hardwood floors and sophisticated neutral hues create a timeless backdrop throughout the fabulous floorplan, where the great room provides a natural gathering place for both everyday moments and entertaining. The chef’s kitchen is designed to inspire, featuring a gas range and an inviting connection to the main living spaces. Retreat to the main-floor primary suite, complete with a spacious walk-in closet, while three additional bedrooms and 2½ baths offer exceptional flexibility. Outside, the large covered patio extends the living space and invites you to linger and enjoy the serene surroundings. A three-car tandem garage provides abundant storage for vehicles, recreation gear, and more. Just steps from the community pool and open space, this home offers an extraordinary lifestyle within Hidden Springs, where 900+ acres of preserved open space, abundant wildlife, trails, pools, farm, orchard, restaurant, coffee shop, library, schools, concerts, and community events create a true sense of place. And downtown Boise is just 15 minutes away. Open House Saturday, Sept. 12, 11 AM–12 PM & Sunday, Sept. 13, 12–1

4780 W Farm View Dr., Boise
$425,000
3 Beds ⋅ 2 Baths ⋅ 1,252 SqFt. ⋅ 0.229 Acres ⋅ 99000612 MLS
OPEN HOUSE SATURDAY AND SUNDAY 1-3. Easy 15-minute commute to Micron! Perfect for first time buyers or investors. Charming single level with functional floor plan that includes 3 bedrooms, plus a small office - perfect for working from home, a study place or for hobbies with real hardwood floors and shiplap ceilings through entry, living room, kitchen and dining plus updated bathrooms with quartz. Enjoy outdoor living in the private, oasis backyard with huge patio ideal for entertaining, relaxing and enjoying summer evenings that leads to a hot tub under a canopy of trees. Storage shed included. Close to walking path that leads to Silver Sage Elementary School. Garage with Epoxy floor and storage. Great opportunity for anyone looking for comfortable living with desirable outdoor space and RV potential.

7584 W Snohomish Street, Boise
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Information courtesy of Intermountain Multiple Listing Service. Information provided by IMLS is deemed reliable but not guaranteed. IDX information is provided exclusively for consumers' personal, non‐commercial use, it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IMLS does not assume any liability for missing or inaccurate data. All listings provided by IMLS are marked with the official IMLS IDX icon.