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.

Mortgage Rates in Caldwell, ID as of September 22, 2019
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees
  • Contact

Get Personalized Mortgage Quotes for Caldwell, ID

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 Caldwell, ID Mortgage Rates Compare?

September 22, 2019

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
Caldwell, ID Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Caldwell, Idaho?

The median home value for Caldwell, ID (Canyon County) is $199,817

The median household income for Caldwell, ID (Canyon County) is $47,845

Based on current mortgage rates and a 10% down payment, you need to make $37,072 per year to buy the median priced home in Caldwell

The home price you can afford to buy based on household income in Caldwell is 129% of the median home value which means housing prices are average

Caldwell (Canyon County) ranks 28 out of 44 counties in Idaho and 2,798 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


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: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for Caldwell, ID

1 unit: $331,200
2 units: $424,000
3 units: $512,500
4 units: $636,900

VA loan limits for Caldwell, ID

1 unit: $484,350

Additional Mortgage Resources for Caldwell, ID 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


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/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index