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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 November 13, 2019
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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?

November 13, 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
Today's
Caldwell, ID 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 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

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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: $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

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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/

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