How Much Money Do You Need to Retire in Idaho?

If Idaho is on your retirement radar, you’re probably wondering: how much money do you need to live comfortably here? The answer depends on lifestyle, but compared to many states, Idaho offers a relatively affordable retirement option.

Cost of Living in Idaho

According to the U.S. Bureau of Economic Analysis, Idaho’s cost of living is about 7% below the national average. Housing remains the largest expense, though the Treasure Valley has seen price increases. As of August 2025, Ada County’s median home price was around $520,000 (Boise Regional REALTORS®). That’s still below the national median of $410,000, but retirees should budget carefully if purchasing in Boise or Eagle.

Retirement Income Benchmarks

Financial experts often suggest replacing 70–80% of your pre-retirement income. For Idaho, most retirees find that an annual income of $50,000 to $70,000 provides a comfortable lifestyle in the Treasure Valley, depending on whether housing is owned outright or rented.

Why Idaho Appeals to Retirees

Beyond affordability, Idaho offers access to healthcare, outdoor recreation, and vibrant communities. The Treasure Valley balances city amenities with a slower pace of life. Retirees enjoy hiking, fishing, golfing, and cultural events—all without the high costs of coastal states.

At Abmont Realty Group, we regularly help retirees downsize, relocate, or invest in homes that fit their new lifestyle. Whether you’re seeking a lock-and-leave condo or a quiet property near Eagle’s greenbelt, we can help you plan with confidence.

Thinking about retiring in Idaho? Call Abmont Realty Group today at 208-789-4320.