Is $100,000 a good salary in Idaho?

$100,000 in Idaho provides a monthly take-home of approximately $6,100 after taxes. Across major Idaho cities, this salary is rated very comfortable, with an average monthly surplus of $4,043.

What is the cost of living on $100,000 in Idaho?

The average monthly living cost across major Idaho cities is approximately $2,057 for a single adult (rent, food, transport, utilities, healthcare). On $100,000 take-home pay of $6,100/month, you would have roughly $4,043/month remaining.

Living in Idaho · 2026

Is $100,000 enough to live in Idaho?

Single adult · ID · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Very comfortable

Monthly take-home

$6,100

Avg monthly expenses

$2,057

Avg monthly surplus

$4,043

Savings potential

~66%

After-tax take-home in Idaho

Gross salary$100,000

Federal income tax− $13,354

State income tax− $5,800

Social Security− $6,200

Medicare− $1,450

Annual take-home$73,196

Effective tax rate26.8%

How $100,000 feels in Idaho cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Boise

COL index: 1.08× national avg

Very comfortable

Rent (1BR)

$1,400

Food

$462

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,445/mo

Surplus: $3,655/mo

Rent burden: 23.0% — Affordable (< 25%)

Full Boise analysis →

Meridian

COL index: 0.80× national avg

Very comfortable

Rent (1BR)

$850

Food

$466

Transport

$140

Utilities

$132

Healthcare

$160

Total: $1,748/mo

Surplus: $4,352/mo

Rent burden: 13.9% — Affordable (< 25%)

Full Meridian analysis →

Nampa

COL index: 0.98× national avg

Very comfortable

Rent (1BR)

$1,200

Food

$431

Transport

$172

Utilities

$162

Healthcare

$196

Total: $2,161/mo

Surplus: $3,939/mo

Rent burden: 19.7% — Affordable (< 25%)

Full Nampa analysis →

Idaho Falls

COL index: 0.93× national avg

Very comfortable

Rent (1BR)

$1,100

Food

$418

Transport

$163

Utilities

$153

Healthcare

$186

Total: $2,020/mo

Surplus: $4,080/mo

Rent burden: 18.0% — Affordable (< 25%)

Full Idaho Falls analysis →

Pocatello

COL index: 0.88× national avg

Very comfortable

Rent (1BR)

$1,000

Food

$405

Transport

$154

Utilities

$145

Healthcare

$176

Total: $1,880/mo

Surplus: $4,220/mo

Rent burden: 16.4% — Affordable (< 25%)

Full Pocatello analysis →

Caldwell

COL index: 0.95× national avg

Very comfortable

Rent (1BR)

$1,150

Food

$422

Transport

$166

Utilities

$157

Healthcare

$190

Total: $2,085/mo

Surplus: $4,015/mo

Rent burden: 18.9% — Affordable (< 25%)

Full Caldwell analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $6,100 ($73,200/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$3,050

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$1,830

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$1,220

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$36,600

Wants / year

$21,960

Savings / year

$14,640

Salary Intelligence

Good salary in Boise

Rent represents 23% of take-home income — comfortably within the recommended 25% guideline. This is a solid salary for this location.

Lifestyle score: 7.3/10 (Very Good)

Lifestyle Assessment

A $100,000 salary comfortably supports a very good single lifestyle in Boise, Idaho, with approximately $3,655/month (~60% of take-home) available for savings — meeting or exceeding the recommended 20% savings rate.

Purchasing Power

Boise is near the national cost-of-living average (index: 1.08). $100,000 here is roughly equivalent to $171,296 in San Francisco or $81,481 in an affordable city like Birmingham.

State & National Benchmark

$100,000 is 145% above the Idaho individual median of $40,800 and 79% above the US national individual median of $56,000. This is a top-quartile income in this state.

State individual median

$40,800

+145%

State household median

$70,214

+42%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

401(k) Age 50+ Catch-Up Contribution — Up to $2,775 additional tax savings (37% bracket)

$100,000 vs. Idaho income benchmarks

Individual median (Idaho)

$40,800

+145% vs. this salary

Household median (Idaho)

$70,214

+42% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Idaho

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.