Current Idaho Mortgage Rates

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.

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.

Idaho Mortgage Rates as of December 7, 2023
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees & Points
  • Contact

Get Personalized Mortgage Quotes

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.

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. Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.

Get Free Personalized Mortgage Quotes

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
Idaho Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

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


Additional Mortgage Resources for Idaho Residents

Mortgage Rates for Idaho Cities

Bingham Mortgage Rates

Boise 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