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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.

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TL;DR

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.

Download the PDF ↓ Two pages. Print it and take it on tours.
Part 1

The price gap

Ada County and Canyon County. July 2026 sold data.
Median single-family sale price, July 2026. Source: Boise Regional REALTORS / Intermountain MLS.
AreaJuly medianvs July 2025Year to date
Ada County$602,000+9.5%+0.2%
Canyon County$444,995+3.7%+2.6%
$157,005Ada County minus Canyon County, July 2026

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.

Part 2

The commute cost

What the drive adds up to in a year.
23 min
No traffic
31.5 min
Morning peak, to Boise
29.5 min
Evening peak, to Caldwell

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.

Traffic is growing. I-84 near the Ustick Road overpass, Caldwell, both directions carried about 62,300 vehicles on an average weekday in 2020 and about 78,900 in 2024. That is +27%. Counts were flat from 2020 to 2022. The jump came in 2023 and 2024.

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.

Part 3

What is coming on I-84

Three projects. Two are under construction.
1

I-84 widening in Caldwell

Centennial Way to Franklin Road. Three lanes each way plus auxiliary lanes.

ITD: complete in 2027.

2

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.

3

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.

Part 4

Where Canyon County residents work

If your job is west of Meridian, most of the drive goes away.

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.

Job in Nampa or Caldwell? The mileage discount is nearly free.
Part 5

Insurance

The averages are close. The address is what counts.
Average annual homeowners premium, by source.
SourceBoiseCaldwell
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.

Part 6

Two water systems

The question most Caldwell buyers do not know to ask.

Many Caldwell homes have two water systems. Ask which one runs the sprinklers.

Pressurized irrigation
Canal water for the yard. One flat fee a year. On in spring, off in fall.
City water, metered
Drinking water. You pay for every gallon. A lawn uses a lot.

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.
Idaho Code 43-706. For an irrigation district such as Pioneer, the assessment lien ranks ahead of the mortgage. A buyer takes the property with any unpaid assessment attached. Have title confirm it is paid on the settlement statement.
Estimated cost to water a lawn on the city meter. Not a bill.
Lawn sizeJulyApril 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.

Part 7

Which buyer are you?

Three budget and commute patterns. Pick yours on purpose.

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.

Part 8

Before you offer

Seven checks. Print the PDF and tick them off.
  • 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.
Download the PDF ↓ Already have an agent? Keep them. Take this checklist with you.
FAQ

Frequently asked questions

Short answers, same sources.
In July 2026, the median single-family sale price was $602,000 in Ada County and $444,995 in Canyon County. That is a gap of $157,005. The gap widened about $36,000 from July 2025. Year to date, Canyon prices are growing faster, so one month is a snapshot and not a trend. 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. Source: Boise Regional REALTORS and Intermountain MLS.
For an average 2024 weekday, COMPASS reports the Caldwell to Boise drive on I-84 at about 23 minutes with no traffic, 31.5 minutes across the morning peak period toward Boise, and 29.5 minutes across the evening peak period back to Caldwell. The worst half hour runs longer, and the figure does not include the Connector into downtown, so your door to door time will differ. Five peak round trips a week for 50 weeks is about 254 hours a year.
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.
Many Caldwell homes have two water systems. Pressurized irrigation is canal water for the yard, billed as one flat fee a year. City water is drinking water on a meter, and you pay for every gallon. For the Caldwell Municipal Irrigation District (CMID), 2026 fees are $156 a year for a lot up to 10,000 square feet and $180 a year for a quarter acre. Bills are mailed in February and are due April 1. Water is on about April 15 to 30 and off about October 1 to 15. Dates change with water supply. In 2026 it shut off September 24. Ask the seller in writing which system runs the sprinklers.
Our estimate for 6,000 sq ft of lawn is about $149 in July and about $671 for April to September. For 10,890 sq ft of lawn (a quarter acre) it is about $270 in July and about $1,217 for the season. This uses the City of Caldwell FY2027 residential water rates at $2.98 per unit, a lawn need of 8 inches in July and 36 inches for the season, and 80% sprinkler efficiency. It is an estimate and not a bill. CMID irrigation is a flat $156 to $203 a year for lots up to 20,000 square feet.
Only a little, on average. MoneyGeek shows $1,646 a year for Boise and $1,690 for Caldwell on a $250K dwelling. LendingTree shows $2,094 a year for Boise and $2,150 for Caldwell on a $400K dwelling, Feb 2026 quotes. The two cities land within about $60 a year of each other in both sources. The only number that counts is a quote on the actual address. Get it before you offer.
Sources

Where the numbers come from

Every number in this report is sourced. Check before you act.

Primary sources Last verified October 13, 2026

Disclaimer. This report is for information only. It is not legal, tax, lending, insurance, or investment advice. Prices are July 2026 figures and the sources above were last verified October 13, 2026. Prices, rates, fees, and project dates change. Nothing here predicts future prices. The lawn water figures are estimates built on the stated assumptions and are not a bill. Confirm irrigation and utility details with the City of Caldwell or the irrigation district, and get an insurance quote on the actual address. Good News Realty Group is a real estate brokerage, not a lender, insurer, or tax advisor. Buyer-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.

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) 897-2760

Buyer-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.

Prepared by
Rachael Gerber
Relocation Expert · REALTOR® · Good News Realty Group

Already have an agent? Keep them. Take this checklist with you.