Who has the best mortgage rates in Idaho?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in ID
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in ID likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 45 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in ID
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Idaho is quickly emerging as a fantastic place to buy a home
If you’ve been thinking about making the move to the Gem State, now’s the time to explore all it has to offer without breaking your budget.
Boise, the state’s capital, is at the heart of Idaho’s housing boom. Known for its welcoming atmosphere, beautiful outdoor spaces, and vibrant arts scene, Boise has quickly become a favorite for newcomers. Popular neighborhoods like North End and downtown Boise feature charming homes and a walkable lifestyle. The median home price is around $500,000, which is still affordable given the quality of life and amenities the city provides.
But don’t overlook other Idaho cities! Coeur d’Alene, located in the north, is famous for its stunning lake views and outdoor recreation. With a median home price of about $550,000, it’s an ideal spot for nature lovers looking for a peaceful retreat. Meanwhile, Pocatello offers a more affordable option, with a median home price around $320,000, making it appealing for families and first-time buyers.
For those seeking a quieter lifestyle, smaller towns like Twin Falls and Idaho Falls provide affordable housing with a strong sense of community. Twin Falls, known for its waterfalls and outdoor adventures, has a median home price of approximately $350,000, offering more space and tranquility for those looking to escape the city hustle.
Idaho also offers several programs for first-time homebuyers, including down payment assistance and favorable loan options, to help make the dream of homeownership more attainable.
With its breathtaking landscapes, outdoor adventures, and improving affordability, Idaho is an excellent choice for your next home. Whether you’re drawn to the energy of Boise or the scenic beauty of Coeur d’Alene, the Gem State has something for everyone.