Idaho Falls

Compare Current Idaho Falls, Idaho Mortgage Rates

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.

Idaho Falls, ID Mortgage Rates as of December 7, 2023
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees & Points
  • Contact

Get Personalized Mortgage Quotes

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.

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.

Get Free Personalized Mortgage Quotes

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

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

Mortgage Rates for Idaho Cities

Bingham Mortgage Rates

Boise 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