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Caldwell

Current Mortgage Rates in Caldwell, Idaho

Compare mortgage rates and fees for leading lenders in Caldwell, ID. 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 lender offering the best mortgage rates in Caldwell.

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

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Mortgage Rates in Caldwell, ID as of September 29, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
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How Do Today's Caldwell, ID Mortgage Rates Compare?

September 29, 2020

The current average rate for a 30 year fixed rate mortgage in Caldwell 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
Caldwell, ID Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Caldwell, Idaho?

Below we provide helpful information on the real estate market, home prices and housing affordability in Caldwell. Understand how much you need to earn to afford a home in Caldwell, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Caldwell fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Caldwell is right for you.

The median home value for Caldwell, ID (Canyon County) is $220,598

Based on current mortgage rates and a 10% down payment, you need to make $39,702 per year to buy the median priced home in Caldwell

With this income, you could qualify for a $198,538 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 Caldwell is $919

The median household income for Caldwell, ID (Canyon County) is $48,963

Based on this income, you can afford a home valued at approximately $272,055

The home price you can afford to buy based on household income in Caldwell is 123% of the median home value which means housing prices are average. Caldwell (Canyon County) ranks 28 out of 44 counties in Idaho and 2,831 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Caldwell, ID is average

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Loan Limits for Caldwell, Idaho

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Caldwell (Canyon County) below.

Conforming loan limits for Caldwell, ID

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Caldwell, ID

1 unit: $366,850
2 units: $469,600
3 units: $567,650
4 units: $705,500

VA loan limits for Caldwell, ID

1 unit: $510,400

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