Idaho Mortgage Rates & Home Prices (2026)
Median price: $425,000 · Avg. rate: 6.86%
Idaho Market Overview
$425,000
Median Home Price
6.86%
Avg. 30-Yr Rate
0.63%
Property Tax Rate
71.4%
Homeownership Rate
Idaho experienced explosive growth during the pandemic with prices doubling in Boise. While the market has cooled, home values remain elevated compared to historical norms. Idaho Housing offers competitive rates and up to 10% down payment assistance.
Estimated Monthly Payment
Median home in Idaho (20% down, 30-yr fixed)
$2,630/mo
Principal & Interest$2,230
Property Taxes$223
Home Insurance (est.)$177
Total Monthly (PITI)$2,630
Based on a $425,000 home with 20% down ($340,000 loan) at 6.86%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Idaho
- Idaho Housing First Loan
- Second Mortgage Assistance
- Idaho Heroes Program
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: ID Rates
30-Year Fixed6.86%
15-Year Fixed6.10%
5/1 ARM (est.)6.11%
FHA 30-Year6.71%
VA 30-Year6.61%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: ID
FHA Loan Limit$472,030
Median Income$69,208
Cost Index1.02x