How much money do you need to live in Nampa, ID?

Nampa, Idaho, a vibrant Treasure Valley gem, offers an affordable yet enriching lifestyle. To live comfortably in 2025, a single adult needs roughly $36,000-$44,000 annually, while a family of four requires $82,000-$98,000, depending on housing and lifestyle choices. Nampa’s cost of living, 4% above the national average, remains lower than many urban hubs, balancing affordability with Western charm.

Housing drives expenses. Median home prices hover at $340,000, with monthly mortgages of $1,800-$2,200 for a typical home. Renters pay ~$1,200 for a two-bedroom apartment, a bargain compared to Boise’s $1,500. Utilities—electricity (~$106.84/month), water, and internet—total $200-$250 monthly. Groceries cost ~$150 weekly for a family, while dining at local haunts like downtown Nampa’s cafes averages $15-$25 per meal.

Transportation is reasonable. Gas prices, at $3.40/gallon, and a 23.9-minute average commute keep annual costs at $5,000-$8,000, including insurance and maintenance. Healthcare, with access to Saint Alphonsus Medical Center, averages $6,714 per person yearly, aligning with U.S. norms. Families with children may face childcare costs of $728-$1,002 monthly per child, a significant factor.

Nampa’s median household income of $72,122 supports these expenses, though dual incomes or Boise commutes (20 miles away) can boost earnings. Idaho’s 6% sales tax and 5.8% income tax apply, but low utility and housing costs help. With vibrant events like the Snake River Stampede, parks like Lakeview, and outdoor access to Lake Lowell, Nampa delivers a fulfilling life for those earning $40,000-$100,000, blending financial ease with community warmth and natural beauty.