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Compare Idaho Falls, ID mortgage rates and fees from top lenders. 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 lowest mortgage rates in Idaho Falls.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Idaho Falls. Plus, shopping lenders is free and there is no obligation.
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Idaho Falls, ID Mortgage Rates as of December 7, 2023
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Idaho Falls, ID Mortgage Rates
December 7, 2023
Current mortgage rates in Idaho Falls, ID are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Idaho Falls, ID Rates
National Average
Comparison
30 Year Fixed Rate
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7.220%
15 Year Fixed Rate
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6.560%
5/1 Adjustable Rate Mortgage
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6.625%
How Affordable is Housing in Idaho Falls, Idaho?
Below we provide helpful information on the real estate market, home prices and housing affordability in Idaho Falls. Understand how much you need to earn to afford a home in Idaho Falls, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Idaho Falls 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 Idaho Falls is right for you.
The median home value for Idaho Falls, ID (Bonneville County) is $376,432
Based on current mortgage rates and a 10% down payment, you need to make $78,530 per year to buy the median priced home in Idaho Falls
With this income, you could qualify for a $338,789 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 Idaho Falls is $1,819
The median household income for Idaho Falls, ID (Bonneville County) is $69,616
Based on this income, you can afford a home valued at approximately $333,703
The home price you can afford to buy based on household income in Idaho Falls is 89% of the median home value which means housing prices are expensive.
Idaho Falls (Bonneville County) ranks 35 out of 44 counties in Idaho and 2,926 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Idaho Falls, ID is expensive
Loan Limits for Idaho Falls, Idaho
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Idaho Falls (Bonneville County) below.
Conforming loan limits for Idaho Falls, ID
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Idaho Falls, ID
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Idaho Falls, ID
1 unit:$726,200
Additional Mortgage Resources for Idaho Falls, ID Residents