What is the average mortgage rate in Idaho in 2026?
Around 7.46% as of October 19, 2026, in line with national average.
Best Mortgage Rates Idaho 2026
Idaho has seen strong population growth and rising home prices, with a median home price of $456,633 in early 2026. The state has no real estate transfer tax.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages from the site data file, not live quotes from lenders. Confirm pricing with banks and brokers in Idaho. Not financial advice.
Idaho at a glance
- Average home price: $456,633
- State income tax: Yes (5.695% top rate)
- Land transfer tax: None
- Typical monthly payment: $2,544/mo on $456,633 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does Idaho have a real estate transfer tax?
No — Idaho has no state real estate transfer tax.
What is the median home price in Idaho in 2026?
$456,633 — above the national median, reflecting strong demand.
How much do I need to earn to afford a home in Idaho?
To afford $456,633 with 20% down at 7.46%, you need approximately $105,000–$110,000 annual income.
Idaho mortgage calculator · Educational reference only. Not financial or lending advice.