Idaho mortgage rates today
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- -Lender fees
- $0 guaranteed
- -Cost to buy a lower rate
- $5,794
- -Other closing costs
- $8,000-$12,000
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| Lender | Estimated avg. rate range* | Lender fees‡ | Customer reviews |
|---|---|---|---|
| Tomo Mortgage | 6.96% – 7.14% | $0 | Highly rated |
| First Federal Bank | 6.96% – 7.14% | $895 | Mixed reviews |
| AimLoan | 6.96% – 7.14% | $995 | Mixed reviews |
| PenFed Credit Union | 6.96% – 7.14% | $995 | Average |
| 1st Security Bank of Washington | 7.14% – 7.47% | $1425 | — |
| America First Credit Union | 7.14% – 7.47% | $0 – $1345 | — |
| American Financing Corporation | 7.14% – 7.47% | $1763 | — |
| American Neighborhood Mortgage | 7.14% – 7.47% | $1795 | — |
| American Pacific Mortgage Corp | 7.14% – 7.47% | $1690 | — |
| Benchmark Mortgage | 7.14% – 7.47% | $1095 | — |
| Bank of England | 7.14% – 7.47% | $1339 | — |
| Belem Servicing, LLC DBA Patriot | 7.14% – 7.47% | $1490 | — |
| CalCon Mutual Mortgage LLC | 7.14% – 7.47% | $2560 | — |
| CMG Mortgage Inc. | 7.14% – 7.47% | $1485 | — |
| CrossCountry Mortgage, LLC | 7.14% – 7.47% | $1490 | — |
| Eagle Bank and Trust Company | 7.14% – 7.47% | $899 | — |
| Envoy Mortgage, Ltd. | 7.14% – 7.47% | $1460 | — |
| Evergreen Moneysource Mortgage | 7.14% – 7.47% | $1649 | — |
| Fairway Independent Mortgage Corp | 7.14% – 7.47% | $1595 | — |
| First Interstate Bank | 7.14% – 7.47% | $995 | — |
| Gateway First Bank | 7.14% – 7.47% | $1135 | — |
| Guaranteed Rate, Inc. | 7.14% – 7.47% | $1440 | — |
| Highlands Residential Mortgage | 7.14% – 7.47% | $1750 | — |
| Idaho Central Credit Union | 7.14% – 7.47% | $750 | — |
| Intercap Lending Inc. | 7.14% – 7.47% | $1588 | — |
| JMJ Financial Group Inc. | 7.14% – 7.47% | $1795 | — |
| LeaderOne Financial Corp. | 7.14% – 7.47% | $1446 | — |
| Mutual of Omaha Mortgage | 7.14% – 7.47% | $1300 | — |
| NBH Bank | 7.14% – 7.47% | $995 | — |
| NFM, Inc | 7.14% – 7.47% | $1735 | — |
| Northpointe Bank | 7.14% – 7.47% | $1205 | — |
| Pacific Residential Mortgage | 7.14% – 7.47% | $1595 | — |
| Planet Home Lending, LLC | 7.14% – 7.47% | $1590 | — |
| Premier Mortgage Resources, LLC | 7.14% – 7.47% | $1490 | — |
| PrimeLending | 7.14% – 7.47% | $1385 | — |
| Security Home Mortgage, LLC. | 7.14% – 7.47% | $1748 | — |
| STCU (Spokane Teachers Credit Union) | 7.14% – 7.47% | $1825 | — |
| Summit Funding, Inc | 7.14% – 7.47% | $1694 | — |
| Summit Mortgage Corporation | 7.14% – 7.47% | $1395 | — |
| Sunflower Bank, N.A. | 7.14% – 7.47% | $1395 | — |
| Synergy One Lending | 7.14% – 7.47% | $1590 | — |
| V.I.P. Mortgage, Inc. | 7.14% – 7.47% | $1750 | — |
| Van Dyk Mortgage Corporation | 7.14% – 7.47% | $1495 | — |
| Waterstone Mortgage Corporation | 7.14% – 7.47% | $1623 | — |
| Willamette Valley Bank | 7.14% – 7.47% | $1540 | — |
*Lenders shown are those that TrueRate®, a Tomo Mortgage tool, estimates are likely to offer low rates in Idaho. Estimates are based on rate lock data from the last three years for 30-year fixed-rate conventional conforming purchase loans on primary residences, with FICO scores of 620–850 and LTVs up to 97%. These are historical locked rates, not current offers. Your rate will depend on factors such as credit score, loan-to-value ratio, loan amount, points paid, and market conditions.
‡ Fee estimates use 2024 HMDA loan data and Federal Reserve Bank of Philadelphia methodology, with adjustments for incomplete data; actual fees may vary. Tomo Mortgage charges no lender fees on purchase or refinance loans; third-party costs still apply.
Idaho mortgage rates today, November 4, 2026
Idaho lenders' average 30-year fixed interest rate ranged from 7.14% – 7.47% as of November 4, 2026, according to TrueRate. Freddie Mac's national 30-year fixed average was 7.24% as of October 29, 2026, down from 7.32% the week before and 6.17% a year earlier (Freddie Mac PMMS). The TrueRate® range above narrows the picture to Idaho lenders at their zero-point rate.
Why Idaho rate numbers vary by source
Idaho rate numbers disagree because each one describes a different borrower and price. Before you compare any of them to your quote, check whether it's an Idaho or national figure, who the borrower is, and whether points or assistance are built in.
Freddie Mac PMMS is a national average of applications for conventional purchase loans within conforming limits, from borrowers with good to excellent credit (Freddie Mac).
TrueRate® by Tomo Mortgage compares Idaho lenders at their zero-point (par) rate, based on real rates given to home buyers over the last three years (TrueRate® methodology).
Advertised rates can assume discount points, prepaid interest that lowers the rate. They aren't comparable to a zero-point quote.
Checking an Idaho mortgage quote against the market
Request a zero-point quote and check it against TrueRate®'s Idaho range for your loan details on the same day. If your rate sits above the range, use that gap to negotiate or to get another offer.
Gather same-day Loan Estimates. Rates shift daily, and the Loan Estimate is a standard federal form, so estimates from the same day compare directly. See what to check on a Loan Estimate.
Match the details. Match loan type, term, lock length, and discount points. A quote with assistance belongs next to other assistance quotes, or in a total-cost comparison.
Weigh the interest rate and APR separately. The interest rate sets principal and interest; the APR includes certain lender charges, so equal rates can carry different APRs.
Read Section A, Origination Charges. Points and origination fees are listed there.
Get pre-approved with Tomo Mortgage
Get startedWhat a rate difference costs in the Boise area
On a typical Boise-area purchase, a quarter-point change in interest rate moves the monthly principal-and-interest payment by about $81. The example uses Ada County's median single-family sale price of $595,000 in August 2026, reported by Boise Regional REALTORS® (Intermountain MLS).
- Loan amount after a 20% down payment: $476,000, repaid over 30 years (360 payments).
- At a 7.24% interest rate (Freddie Mac's national average as of October 29, 2026): $3,243.93 a month in principal and interest.
- At 7.49%: $3,325.00 a month, which is $81.07 more, or about $29,186 over all 360 payments.
(This illustrates principal and interest only and isn't an offer of credit. It excludes property taxes, homeowners insurance, and mortgage insurance, and assumes no points or fees.)
Statewide, Idaho loan sizes are close to the national norm. The average home-purchase loan originated in Idaho in 2025 was $397,605, compared with $404,190 nationally (HMDA data; mean of all originated purchase loans). Check your own numbers with Tomo Mortgage's mortgage affordability calculator.
Idaho closing costs and timeline
Idaho has no real estate transfer tax, so the only government charge at closing is a per-document recording fee. Lender charges and third-party services make up the rest of your Loan Estimate.
Recording fees:
The Ada County Recorder via Deeds.com lists a $15 fee for a deed and $45 for a deed of trust, per Idaho Code § 31-3205.
Timing:
Tomo Mortgage's Idaho purchase loans close in 34.2 days on average. For comparison, the industry average is ~45 days.
(Source: Tomo Mortgage, conventional purchase loans measured across the last 12 months, as of October 2026)
Idaho's homeowner's exemption and wildfire insurance
Property taxes and homeowners insurance come on top of principal and interest. In Idaho, a homeowner's exemption reduces the assessed value, and wildfire risk is reshaping the insurance market.
Property tax:
Idaho's homeowner's exemption removes 50% of a primary home's value (including up to one acre of land) from the tax rolls, up to a maximum reduction of $125,000 in assessed value (Idaho State Tax Commission). You must own and occupy the home as your primary residence on January 1 to qualify.
Wildfire insurance:
Wildfire-driven nonrenewals are rising. Between April 2024 and April 2025, 22 to 25 of Idaho's 91 property insurers reported nonrenewing policies because of wildfire exposure (Idaho Department of Insurance). If you're buying in a wildfire-prone area, get insurance quotes early.
Idaho mortgage rate questions
As of November 4, 2026, the average interest rate on a 30-year fixed conventional mortgage from Idaho lenders ranged from 7.14% – 7.47%, according to TrueRate. Your rate depends on your credit score, loan amount, down payment, loan type, and the number of discount points you pay.
The 2026 conforming limit for a one-unit home is $832,750 in Ada County, which includes Boise, and in most Idaho counties — that is the national baseline set by FHFA. Teton County is the only Idaho county with a higher limit, at $1,249,125.
No. Idaho has no real estate transfer tax. The only government charges at closing are county recording fees — $15 for a deed and $45 for a deed of trust.
Tomo Mortgage's Idaho purchase loans have closed in 34.2 days on average. For comparison, the industry average is ~45 days.