Compare Current Lewiston, Idaho Mortgage Rates

Compare Lewiston, 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 Lewiston.

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

Lewiston, ID Mortgage Rates as of November 30, 2022
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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.


Compare Today's Lewiston, ID Mortgage Rates

November 30, 2022

Current mortgage rates in Lewiston, 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
Lewiston, ID Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Lewiston, Idaho?

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

The median home value for Lewiston, ID (Nez Perce County) is $254,887

Based on current mortgage rates and a 10% down payment, you need to make $41,762 per year to buy the median priced home in Lewiston

With this income, you could qualify for a $229,398 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 Lewiston is $967

The median household income for Lewiston, ID (Nez Perce County) is $62,806

Based on this income, you can afford a home valued at approximately $383,325

The home price you can afford to buy based on household income in Lewiston is 150% of the median home value which means housing prices are average. Lewiston (Nez Perce County) ranks 8 out of 44 counties in Idaho and 2,586 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Lewiston, ID is average


Loan Limits for Lewiston, Idaho

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Lewiston (Nez Perce County) below.

Conforming loan limits for Lewiston, ID

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Lewiston, ID

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Lewiston, ID

1 unit: $647,200

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