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Moscow

Current Mortgage Rates in Moscow, Idaho

Compare mortgage rates and fees for leading lenders in Moscow, 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 Moscow.

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

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Mortgage Rates in Moscow, ID as of January 20, 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 Moscow, ID Mortgage Rates Compare?

January 20, 2020

The current average rate for a 30 year fixed rate mortgage in Moscow 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
Moscow, ID Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Moscow, Idaho?

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

The median home value for Moscow, ID (Latah County) is $257,800

Based on current mortgage rates and a 10% down payment, you need to make $46,397 per year to buy the median priced home in Moscow

With this income, you could qualify for a $232,020 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 Moscow is $1,074

The median household income for Moscow, ID (Latah County) is $45,677

Based on this income, you can afford a home valued at approximately $253,795

The home price you can afford to buy based on household income in Moscow is 98% of the median home value which means housing prices are expensive. Moscow (Latah County) ranks 38 out of 44 counties in Idaho and 3,000 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Moscow, ID is expensive

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Loan Limits for Moscow, Idaho

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

Conforming loan limits for Moscow, ID

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

FHA loan limits for Moscow, ID

1 unit: $331,760
2 units: $424,800
3 units: $513,450
4 units: $638,100

VA loan limits for Moscow, ID

1 unit: $510,400

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