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Idaho

Escape the ordinary and embrace the beauty of Idaho. Explore majestic mountains, pristine lakes, and wide-open spaces. Idaho offers a relaxed lifestyle, a strong sense of community, and a thriving outdoor recreation scene. Secure your Idaho dream home with a competitive mortgage rate.

Idaho mortgage rates today

The current 30-year fixed rate mortgage is as low as 6%.

Rate

6.000%

APR 6.462%

Est. Monthly Payment

$2158.38

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Rate

5.125%

APR 5.870%

Est. Monthly Payment

$2870.35

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Rate

5.625%

APR 6.595%

Est. Monthly Payment

$2257.73

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Rate

5.500%

APR 6.066%

Est. Monthly Payment

$2069.59

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Rate

5.375%

APR 6.670%

Est. Monthly Payment

$2015.90

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Last updated: September 6th 2025, 4:30pm EST. The above rates are current as of September 7th 2025, 8:28pm EST. The table is updated twice every day with the current mortgage rates.

Idaho Mortgage Rates FAQs

What is the average mortgage rate in Idaho?

 

The mortgage rates in Idaho directly influence the financing costs paid to lenders for house loans and refinancing existing mortgages. The current interest rates might possibly affect the total expenditures faced by first-time homebuyers inside Idaho's borders.

What are the current mortgage rates in Idaho?

Homebuyers and homeowners are empowered to browse our platform continuously for the most recently updated mortgage rates in Idaho across our diverse suite of loan offerings. We diligently refresh the listed rates twice daily to ensure interested parties have access to real-time rate data. 

 

How do Idaho interest rates affect mortgages in the state?

 

The prevailing cost of borrowing exerts considerable pressure on the long-term financial obligations arising from real estate ownership. As the home mortgage rates in Idaho decline, owning a home becomes increasingly attainable for more state residents due to reduced monthly payments and lowered aggregate lending costs. 

Idaho Mortgage Rates FAQs FAQ Image
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Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.