Coeur d'Alene

Current Mortgage Rates in Coeur d'Alene, Idaho

Compare mortgage rates and fees for leading lenders in Coeur d'Alene, 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 Coeur d'Alene.

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

Mortgage Rates in Coeur d'Alene, ID as of December 9, 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 Coeur d'Alene, ID Mortgage Rates Compare?

December 9, 2019

The current average rate for a 30 year fixed rate mortgage in Coeur d'Alene 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
Coeur d'Alene, ID Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Coeur d'Alene, Idaho?

The median home value for Coeur d'Alene, ID (Kootenai County) is $305,133

The median household income for Coeur d'Alene, ID (Kootenai County) is $54,815

Based on current mortgage rates and a 10% down payment, you need to make $56,612 per year to buy the median priced home in Coeur d'Alene

The home price you can afford to buy based on household income in Coeur d'Alene is 97% of the median home value which means housing prices are expensive

Coeur d'Alene (Kootenai County) ranks 41 out of 44 counties in Idaho and 3,019 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Coeur d'Alene, ID is expensive


Loan Limits for Coeur d'Alene, Idaho

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Coeur d'Alene (Kootenai County) below.

Conforming loan limits for Coeur d'Alene, ID

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

FHA loan limits for Coeur d'Alene, ID

1 unit: $314,827
2 units: $403,125
3 units: $487,250
4 units: $605,525

VA loan limits for Coeur d'Alene, ID

1 unit: $484,350

Additional Mortgage Resources for Coeur d'Alene, ID Residents

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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