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Compare Idaho mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Idaho.
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Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Compare Today's Idaho Mortgage Rates
December 7, 2023
Current mortgage rates in Idaho are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Idaho Rates
National Average
Comparison
30 Year Fixed Rate
%
7.220%
15 Year Fixed Rate
%
6.560%
5/1 Adjustable Rate Mortgage
%
6.625%
How Affordable is Housing in Idaho?
Below we offer valuable insights on the housing market and real estate prices in Idaho. Understand how much you need to make to buy a house in Idaho, including the mortgage you need. Review the monthy loan payment so you can determine if home ownership in Idaho is affordable for you. We provide this helpful information to help you decide if living in Idaho is right for you.
The median home value for Idaho is $382,789
Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in Idaho is $79,856
With this income, you could qualify for a $344,510 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Idaho is $1,849
The median household income for Idaho is $66,931
Based on this income, you can afford a home valued at approximately $320,835
The home price you can afford to buy based on household income in Idaho is 84% of the median home value which means housing prices are very expensive. Idaho ranks 41 out of 50 states for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the real estate market in Idaho is very expensive