Market Overview
Home Prices in Mackay, ID
The median home value in Mackay, ID is $329,667 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7% compared to a year ago and up 2.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mackay are priced20% below average.
Over the past five years, Mackay home values have risen by approximately18.2%, reflecting steady appreciation in this market.
Price History
Mackay Home Price Trend
2020
$214,943
$215K
—
2021
$278,952
$279K
+29.8%
2022
$338,773
$339K
+21.4%
2023
$311,260
$311K
-8.1%
2024
$300,452
$300K
-3.5%
2025
$308,089
$308K
+2.5%
2026
$329,667
$330K
+7.0%
City Comparison
Mackay vs. National Median
🏠 Mackay
$329,667
National Median
$410,000
At $329,667, homes in Mackay cost 20% below the national median of $410,000. This makes Mackay a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mackay?
20% Down Payment
$65,933
on $329,667
Monthly P&I
$1,719/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,183/mo
incl. taxes & insurance
Income Needed
$87,320
gross annual (30% rule)
10% Down Option
$32,967
+ PMI applies
Loan Amount (20% dn)
$263,734
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Mackay, ID?
The median home value in Mackay is $329,667 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7% year-over-year.
How much have home prices changed in Mackay?
Over the past year, home values in Mackay have increased by 7%. Over five years, prices have risen approximately 18.2%.
How much do I need to earn to buy a home in Mackay?
To comfortably afford the median home price of $329,667 with a 20% down payment ($65,933) at today's rates (6.8%), you'd need a gross annual income of approximately $87,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Mackay compare to the national average home price?
The national median home value is approximately $410,000. At $329,667, homes in Mackay are 20% below the national average.