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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.

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Mortgage Rates in Coeur d'Alene, ID as of August 6, 2020
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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.
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How Do Today's Coeur d'Alene, ID Mortgage Rates Compare?

August 6, 2020

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
Today's
Coeur d'Alene, 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 Coeur d'Alene, Idaho?

Below we provide helpful information on the real estate market, home prices and housing affordability in Coeur d'Alene. Understand how much you need to earn to afford a home in Coeur d'Alene, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Coeur d'Alene 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 Coeur d'Alene is right for you.

The median home value for Coeur d'Alene, ID (Kootenai County) is $344,800

Based on current mortgage rates and a 10% down payment, you need to make $62,055 per year to buy the median priced home in Coeur d'Alene

With this income, you could qualify for a $310,320 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 Coeur d'Alene is $1,437

The median household income for Coeur d'Alene, ID (Kootenai County) is $56,095

Based on this income, you can afford a home valued at approximately $311,686

The home price you can afford to buy based on household income in Coeur d'Alene is 90% of the median home value which means housing prices are expensive. Coeur d'Alene (Kootenai County) ranks 42 out of 44 counties in Idaho and 3,042 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

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

FHA loan limits for Coeur d'Alene, ID

1 unit: $335,800
2 units: $429,850
3 units: $519,600
4 units: $645,750

VA loan limits for Coeur d'Alene, ID

1 unit: $510,400

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