Free Report · July 2026 Data
Caldwell Buyer Report. The Mileage Discount.
What the cheaper house really costs. The prices, the commute, and the questions to ask before you write an offer. Read it here or download the two page PDF.
In July 2026, the median single-family home sold for $602,000 in Ada County and $444,995 in Canyon County. That is a $157,005 gap. We call it the mileage discount.
The price of the discount is the drive. Caldwell to Boise on I-84 runs about 31.5 minutes in the morning peak, and about 43% of the jobs held by Canyon County residents are inside the county, so those workers skip most of it.
Before you offer, ask which water system runs the sprinklers, get an insurance quote on the address, and drive the commute at rush hour.
The price gap
| Area | July median | vs July 2025 | Year to date |
|---|---|---|---|
| Ada County | $602,000 | +9.5% | +0.2% |
| Canyon County | $444,995 | +3.7% | +2.6% |
In July's numbers, the gap widened about $36,000 year over year. A year earlier the two medians were $550,000 and $429,000.
Newer months. Since July: in August the medians were $595,000 and $443,100, a gap of $151,900; in September the medians were $575,000 and $443,523, a gap of $131,477. July was the widest of the three months.
Year to date, Canyon is growing faster (+2.6% against +0.2%). One month is a snapshot, not a trend. Year to date compares the median price so far in 2026 with the same months of 2025.
Want the full monthly payment, not only the price? Run both houses through our True Cost Calculator.
The commute cost
Caldwell to Boise on I-84. 2024 weekday average across each peak period (6 to 9 a.m. and 3 to 7 p.m.). The worst half hour runs longer. It does not include the Connector into downtown. Source: COMPASS, the regional planning agency.
- 5 days a week: about 254 hours a year in the car. That is 10.6 full days.
- 3 days a week: about 152 hours a year in the car. That is 6.4 full days.
This counts a morning peak trip in and an evening peak trip out, for 50 work weeks.
Interstate noise is a property condition you can check by address. Our Red Zone Map shows traffic, noise, and rail layers across the Treasure Valley.
What is coming on I-84
I-84 widening in Caldwell
Centennial Way to Franklin Road. Three lanes each way plus auxiliary lanes.
ITD: complete in 2027.
State Highway 16 extension
New limited access highway north from I-84, with a system interchange at I-84.
ITD: on track to open in 2027.
I-84 Mobility Improvement Study, Nampa to the Wye
Recommends auxiliary lanes, wider ramps, and added westbound lanes from the Wye to Eagle Road, built in phases. Estimated $300 to $400 million. $5 million was approved for design in June 2026, out of $20 million set aside. No construction funding has been approved.
BoiseDev reports ITD staff expect a mid 2030s build, depending on funding.
Where Canyon County residents work
Share of jobs held by Canyon County residents, by city of work. About 43% are inside Canyon County. That figure is our math from the profile's counts. Source: Idaho Department of Labor, Canyon County profile, August 2026. Census LEHD 2023, all jobs. A person with two jobs counts twice.
Insurance
| Source | Boise | Caldwell |
|---|---|---|
| MoneyGeek ($250K dwelling) | $1,646 | $1,690 |
| LendingTree ($400K dwelling, Feb 2026 quotes) | $2,094 | $2,150 |
Average premiums for Caldwell and Boise land within about $60 a year of each other in both sources. The two sources price different coverage amounts, so compare across a row, not down a column.
The only number that counts is a quote on the actual address. Get it before you offer.
Two water systems
Many Caldwell homes have two water systems. Ask which one runs the sprinklers.
Caldwell Municipal Irrigation District (CMID), 2026 rates
2027 rates were not posted when we checked.
- Lot up to 10,000 sq ft: $156 a year. Quarter acre: $180 a year.
- Bills mailed in February. Due April 1.
- Water on about April 15 to 30. Off about October 1 to 15. Dates change with water supply. In 2026 it shut off September 24.
- Unpaid bills become a tax lien.
Pioneer Irrigation District, 2026 rates
- Quarter acre: $60 a year.
- Billed in early October. Due December 20.
- For property billed directly by Pioneer. Many pressurized subdivisions inside Pioneer's boundary are billed by the city (CMID) instead.
| Lawn size | July | April to September |
|---|---|---|
| 6,000 sq ft of lawn | $149 | $671 |
| 10,890 sq ft of lawn (a quarter acre) | $270 | $1,217 |
| CMID irrigation, lots up to 20,000 sq ft | $156 to $203 a year, flat | |
How we got these numbers. City of Caldwell FY2027 residential water rates, effective with November 1, 2026 bills: $1.38 per unit for 0 to 2 units, $2.32 per unit for 2 to 10 units, $2.98 per unit for above 10 units. One unit is 748 gallons. We price all lawn water at the top tier, $2.98 per unit. If your indoor use is low, some lawn water bills at the middle tier and the cost is a little lower. Lawn need is 8 inches in July and 36 inches for the season, at 80% sprinkler efficiency. Source: University of Idaho Extension CIS 1157 and CIS 1098. Lawn need is our sum of daily averages for four southern Idaho sites, before rainfall.
Buying acreage or a lot with a well? Our land due diligence guide covers water rights and septic.
Which buyer are you?
Under $450K. Job in Nampa or Caldwell, or remote.
The discount is nearly free. Your homework is water and insurance.
$450K to $550K. Downtown Boise five days a week.
Weigh about one hour a day against a smaller house closer in. Both are right answers if you choose on purpose.
Hybrid, two or three days a week. The bigger lot is the point.
Caldwell works. The bigger the lot, the more the irrigation question matters.
Still choosing between cities? Read our Treasure Valley city comparison.
Before you offer
- Ask the seller in writing: are the sprinklers on irrigation or city water?
- Ask for the latest irrigation bill. CMID mails in February. Pioneer bills in October.
- Ask if irrigation water was on when you toured. It is off from about October to mid April.
- Drive the commute. 7:00 a.m. eastbound, 4:30 p.m. westbound.
- Stand in the backyard at rush hour. Listen for the interstate.
- Get an insurance quote on the address.
- Have title confirm irrigation assessments are paid at closing.
Frequently asked questions
Where the numbers come from
Primary sources Last verified October 13, 2026
- Ada County median prices, July to September 2026 (single-family): Boise Regional REALTORS / Intermountain MLS monthly market reports
- Canyon County median prices, July to September 2026 (single-family): Boise Regional REALTORS / Intermountain MLS Canyon County market reports (member reports, not posted on the public page)
- Caldwell to Boise travel times and I-84 traffic counts (2024): COMPASS, Treasure Valley Annual Congestion Management System Report, 2024
- I-84 widening, Centennial Way to Franklin Road: Idaho Transportation Department
- State Highway 16 extension: Idaho Transportation Department
- I-84 Mobility Improvement Study: Idaho Transportation Department
- Mobility study cost and design funding (June 2026 minutes): Idaho Transportation Board
- Mobility study build timing (June 17, 2026): BoiseDev
- Where Canyon County residents work (Census LEHD 2023): Idaho Department of Labor, Canyon County Labor Force and Economic Profile, August 2026
- City water rates, FY2027: City of Caldwell Utility Billing
- CMID irrigation fees, dates, and liens (2026): City of Caldwell Irrigation
- Pioneer Irrigation District rates and due dates (2026): Pioneer Irrigation District
- Irrigation district assessment liens: Idaho Code 43-706
- Lawn water use in southern Idaho: University of Idaho Extension, CIS 1157
- Sprinkler efficiency: University of Idaho Extension, CIS 1098
- Average home insurance, $250,000 dwelling (updated Aug 28, 2026): MoneyGeek
- Average home insurance, $400,000 dwelling (updated Jul 7, 2026): LendingTree
Run your real numbers.
Bring two addresses. We will run both.
One closer in and one in Caldwell. Our team prices the payment, the drive, the water, and the insurance side by side, so you choose on purpose.
Book a strategy call → or call (208) 897-2760Buyer-agent compensation is fully negotiable and not set by Good News Realty Group, NAR, or the MLS. We walk you through how it works on every home before you tour.
Already have an agent? Keep them. Take this checklist with you.