Idaho taxes wages at a flat 5.3% state rate in 2026 — the same rate whatever you earn — on top of federal income tax and FICA. Single filers get a standard deduction of $16,100. Use the calculators below to see your exact 2026 take-home pay in Idaho, check the sales tax on a purchase, and estimate a mortgage payment with Idaho property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Idaho sales tax calculator
The statewide base sales tax rate in Idaho is 6% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Idaho homes
The average effective property tax rate in Idaho is about 0.49% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Idaho monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
Idaho does something most flat-tax states don’t: it borrows the federal government’s homework. Your state calculation starts from your federal taxable income, which means the big federal deduction is already baked in before Idaho’s 5.30% ever touches a dollar. And then the first $4,811 isn’t taxed at all.
Income tax in Idaho in 2026
Idaho charges a flat 5.30%. That rate was cut from 5.695% by HB 40, retroactive to January 1, 2025.
But the starting point matters more than the rate. Idaho begins with federal taxable income. So if you’ve already taken the federal standard deduction of $16,100 on a $75,000 salary, Idaho starts from $58,900 — it doesn’t make you re-prove your deductions or use a small state version instead. States that start from gross income with a tiny deduction can end up taxing far more of your pay at a similar-looking rate. Idaho’s approach quietly shelters a big chunk.
Then comes the second shelter. The 5.30% rate only applies to state taxable income above the first $4,811. That first layer is taxed at 0%. It’s effectively a built-in mini-deduction sitting on top of the federal one, and it’s easy to miss if you just multiply your income by 5.30% on the back of an envelope — you’ll overestimate your bill.
Worked example: $75,000 salary, single filer
Step 1 — taxable income. Because Idaho starts from federal taxable income, state taxable income is $58,900 — that’s $75,000 minus $16,100.
Step 2 — state tax. Only the income above $4,811 is taxed, so the amount subject to 5.30% is $54,089. Multiply it out and the Idaho tax is $2,866.72. Your effective rate on the full salary is about 3.8%, well below the headline 5.30%.
Step 3 — federal tax. Federal income tax is $7,670.00, after that same federal standard deduction of $16,100.
Step 4 — FICA. Payroll taxes come to $5,737.50: $4,650.00 for Social Security and $1,087.50 for Medicare.
Step 5 — take-home. $75,000 minus $2,866.72, $7,670.00 and $5,737.50 leaves $58,725.78 a year, about $2,258.68 every two weeks.
Sales tax in Idaho
Idaho’s state sales tax is 6.00%, so a $1,000 purchase adds $60 in tax. Clean and simple at state level.
Locally, it can creep up a little. Some resort cities and districts charge local-option taxes, aimed squarely at visitors in tourist areas. Most everyday shopping in most of Idaho sits right at 6%, but if you’re buying in a resort town, check — the register total may include a small local slice on top.
Property tax in Idaho
The average effective rate is 0.49%, a statewide average. A $300,000 home runs about $1,470 a year — just under Delaware’s figure, and less than a quarter of what the same-priced home costs in Illinois.
That’s part of Idaho’s overall pattern. A flat income tax that looks middling on paper but applies to a narrow base, a straightforward 6% sales tax, and property taxes near the bottom of the national table. The state isn’t the cheapest on any single line. Taken together, though, the total bill stays low.
Frequently asked questions
Why is my effective Idaho rate lower than 5.30%?
Two reasons. Idaho starts from federal taxable income, so the $16,100 federal standard deduction is already removed, and the first $4,811 of state taxable income is taxed at 0%. Only what’s left faces 5.30%.
When did Idaho’s rate fall to 5.30%?
HB 40 cut it from 5.695%, retroactive to January 1, 2025. Retroactive means the lower rate applied to the whole tax year.
Does Idaho have its own standard deduction?
Not in the usual sense — it doesn’t need one the same way, because it starts from federal taxable income, where the federal deduction has already been taken. The 0% layer on the first $4,811 then shelters a bit more.
Do all Idaho towns charge the same sales tax?
Most charge just the 6.00% state rate. Some resort and city local-option taxes add a little in specific places.
How does Idaho compare with neighbouring states on property tax?
At 0.49% on average, $1,470 a year on a $300,000 home, it’s on the low side nationally. The rate is an average, so your county levy sets your actual bill.
Check your own pay in the paycheck calculator on this page — then use the sales tax and mortgage calculators to see Idaho’s low property tax do its quiet work on a home purchase.
This calculator is for guidance only and isn’t financial advice.