09/05/2026
Your November property tax bill is coming. Coeur d'Alene just voted to make theirs bigger, and every Idaho city and county can do the exact same thing to yours.
Every year, Idaho law lets a city raise the property taxes it collects by up to 3%. Coeur d'Alene just decided to take the full 3% this year.
But they also did something most people have never heard of. They reached into a pot of "foregone" taxes.
Here is what "foregone" means. In past years, when the city chose not to raise your taxes the full 3%, it did not just let that money go. It saved the right to collect it later. Year after year, that saved-up taxing power piled up. The city's own finance director explained it plainly at the meeting:
"In prior years when the city did not take that 3% allowable increase, it was preserved as foregone taxing authority. At this point, the city's foregone balance is just under $6.5 million."
Important: this is not money sitting in a bank. It is saved-up permission to raise your taxes. The city gave itself the right to take that $6.5 million from taxpayers whenever it chooses. And on September 1st, the council voted to start using it. This year alone they took about $923,000 of it, on top of the automatic 3%. Together that raised the city's property taxes about 6% in a single year.
Here is the part that got me. The city is not short on money. It is sitting on a healthy savings account, about 25% of its budget. Even one council member was not sold, saying it was hard to say yes when they had not made "a strong argument for that full amount of foregone." But the majority voted to take it anyway. Only one member voted no.
For a typical Coeur d'Alene homeowner, the city's share of the property tax bill is already around $1,185 a year. And that is before the county, the schools, and every other district add their property taxes to your bill.
None of this broke the law. That is exactly the problem. Idaho law lets a city take the full 3% every year, save up the years it doesn't, and cash it in whenever it wants. And it is not just cities. Your county can do the very same thing, and so can your other taxing districts. When even that is not enough, they raise fees, on water, on permits, on services, because fees skip the limits property taxes have. It is a shell game, and you pay every version of it.
This is why I do not think capping the property tax is enough. A cap just slows the taking. As long as the tax exists, government will find a legal way to grow it. The only way to truly protect your home is to end the property tax and replace it with the growth Idaho's economy already produces every year. No new tax. No hidden pot. No shell game.
You already bought your home. You should not have to keep paying the government every year just to keep it.
Most of us can't sit through a three-hour city budget meeting on a Monday night. I can, and I do. Follow along, and I will keep bringing you what is really happening with your money.