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Idaho

Current Idaho Mortgage Rates

Compare mortgage rates and closing costs for leading lenders in Idaho. Review free, personalized mortgage rates for Idaho based on your specifc loan amount, program and other factors. Easily compare APRs, fees and monthly payments to find the lender offering the best mortgage terms.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Idaho. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates for Idaho as of November 15, 2019
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Get Personalized Mortgage Quotes for Idaho

Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's Idaho Mortgage Rates Compare?

November 15, 2019

The current average rate for a 30 year fixed rate mortgage in Idaho is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Idaho Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Idaho?

The median home value for Idaho is $230,491

The median household income for Idaho is $53,049

Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in Idaho is $42,763

The home price you can afford to buy based on household income in Idaho is 124% of the median home value which means housing prices are expensive. Idaho ranks 36 out of 50 states for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the real estate market in Idaho is expensive

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Additional Mortgage Resources for Idaho Residents

Mortgage Rates for Idaho Cities

Ada Mortgage Rates

Bingham Mortgage Rates

Bonner Mortgage Rates

Caldwell Mortgage Rates

Coeur d'Alene Mortgage Rates

Idaho Falls Mortgage Rates

Lewiston Mortgage Rates

Moscow Mortgage Rates

Pocatello Mortgage Rates

Twin Falls Mortgage Rates

Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

FREEandCLEAR Housing Affordability Index