If you’re one of the many out-of-state movers eyeing Idaho, you’re not alone—and you’re definitely not off base. The Treasure Valley (which includes Boise, Meridian, Nampa, Eagle, Kuna, and Caldwell) has become a go-to relocation destination for those looking for space, community, and a better pace of life. But before packing the moving truck, let’s talk numbers:
How much money do you need to live comfortably in this part of Idaho?
The answer depends on several factors—your lifestyle, family size, and where in the Valley you plan to live—but we’re breaking it down so you can make a smart and informed decision.
What Does It Mean to “Live Comfortably” in the Treasure Valley?
Let’s cut to it:
- For single adults, a comfortable salary generally falls between $58,000–$88,733 per year.
- For families with children, you’re looking closer to $100,000+, depending on your expenses and whether you have dual incomes.
That might seem high for Idaho, but remember—the Treasure Valley is one of the most desirable (and fastest-growing) regions in the state.
👉 See Idaho’s Median Income via U.S. Census Data
How Living Costs Stack Up in the Treasure Valley
Housing Is Your Biggest Line Item
- Meridian average home price: ~$475,000
- Boise average home price: ~$495,000
- Caldwell and Nampa: $375,000–$400,000
- Typical 2-bedroom apartment rent in Boise/Meridian: $1,500–$1,800/month
These figures can vary month to month. For the latest snapshot, check out:
👉 Zillow’s Meridian Market Overview
Transportation
Most residents own cars. Boise does have limited public transport via Valley Regional Transit, but it’s not robust enough to go car-free.
- Average gas price (May 2025): $3.70/gallon
👉 AAA Idaho Gas Prices
Food and Groceries
- Grocery costs are a bit higher than the national average.
- Expect to spend $400–$600/month per adult, depending on diet and household size.
Utilities and Internet
- Electricity, gas, water: $150–$250/month
- High-speed internet: $60–$100/month
👉 Idaho Power Residential Rates
Health Insurance
- Individual plans range from $300–$450/month
- Families can pay $1,000+ monthly for private coverage
👉 Idaho Health Insurance Exchange Info
Cost Table Snapshot: Monthly Expenses in Meridian
| Category | Single Adult | Family of 4 |
| Housing (Rent/Mortgage) | $1,500 | $2,200 |
| Food & Groceries | $500 | $1,000 |
| Utilities & Internet | $250 | $350 |
| Transportation | $400 | $700 |
| Health Insurance | $350 | $1,000+ |
| Childcare | N/A | $1,200+ |
| Estimated Monthly Total | $3,000–$3,500 | $6,000+ |
Need to calculate your own numbers?
👉 Use the MIT Living Wage Calculator
Salary by City: What It Takes to Live Well in the Treasure Valley
| City | Avg. Rent (2BR) | Home Price | Comfortable Salary Estimate |
| Meridian | $1,600 | $475,000 | $75,000–$90,000 |
| Boise | $1,700 | $495,000 | $78,000–$95,000 |
| Nampa | $1,350 | $390,000 | $65,000–$80,000 |
| Kuna | $1,300 | $410,000 | $65,000–$78,000 |
| Caldwell | $1,250 | $375,000 | $62,000–$75,000 |
Takeaway: The further west you go in the Valley, the more affordable it becomes—though you’ll likely trade shorter commute times for space and savings.
Hidden Costs: Family Size, Lifestyle & Debt
Childcare
Full-time daycare in Meridian or Boise averages $800–$1,500/month per child.
👉 Economic Policy Institute Childcare Calculator
Lifestyle & Recreation
The good news? Most of Idaho’s best adventures are free or low-cost. Think:
- Hiking the Boise Foothills
- Floating the Boise River
- Access to lakes, camping, and fishing—all within an hour’s drive
Still, budgeting for eating out, seasonal events, and gear adds up. Plan $200–$500/month per adult for entertainment and personal spending.
Explore some ideas further in this video:
Existing Debt
From student loans to car payments, debt payments can shift your comfortable salary range up by $10,000–$20,000/year depending on the load.
Will You Earn Enough Here?
Who’s Hiring in the Treasure Valley?
Top industries:
- Tech: Micron, Clearwater Analytics
- Healthcare: St. Luke’s, Saint Alphonsus
- Construction & Real Estate
- Education & Public Services
Plenty of families do well here on dual incomes—even in modest-paying sectors—especially with lower taxes and outdoor-focused lifestyles.
Want to explore what jobs pay in Idaho?
👉 Idaho Department of Labor – Wages by Occupation
Final Thoughts: Is Your Budget Treasure Valley-Ready?
- $58,000–$88,000/year is a realistic salary range for singles
- $100,000+ is safer for families—especially with kids or debt
- Where you live in the Valley, how you live, and how many people you support will shift that number up or down
Ready to Explore Treasure Valley Homes? Let’s Talk
Whether you’re thinking of relocating, buying your first home, or just staying informed on the Idaho housing market, we’ve got everything you need to make confident moves.
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Let’s make your move to Idaho the best decision yet!
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