Idaho Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Idaho. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7%
Avg APR
15yr Fixed
6.4%
Avg APR
Median Price
$435,000
Median home
Monthly P&I
$2,320
30yr at 80% LTV
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Top Mortgage Lenders in Idaho
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Idaho
- ✓IHFAs First Loan Program
- ✓Idaho Housing Second Mortgage DPA
Mortgage Requirements in Idaho
- •Min 620 credit score
- •DTI under 45%
- •Income limits apply for IHFAs programs
Idaho Housing Market Facts
Boise metro has seen rapid appreciation driven by remote worker migration.
Idaho has no estate tax and low property taxes (0.69% avg).
USDA rural loans cover many Idaho communities outside Boise metro.
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