· Freddie Mac PMMS
Informational only. 30YearMortgageRates.com is not a lender. Rates shown are national/regional averages sourced from Freddie Mac PMMS. Actual terms vary by borrower, lender, and market conditions. Full disclosures.
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Boise, ID MORTGAGE RATES • UPDATED

30-Year Mortgage Rates in Boise, ID

Compare current 30-year fixed mortgage rates in Boise, ID. Find the best local lenders, understand Boise market trends, and secure competitive rates for your home purchase or refinance.

$450,000
Median Home Price
6.65%
Avg 30-Yr Rate
Mountain
Market Region
Quick Answer

As of April 2026, the average 30-year fixed mortgage rate in Boise, ID is approximately 6.65%, based on national survey data from Freddie Mac. Rates in Boise generally track the Mountain average, influenced by local housing demand, lender competition, and economic conditions. The median home price in Boise is approximately $450,000. Treasure Valley growth.

Expert Answer · Data-Verified

How do I get a 30-year fixed mortgage in Boise, ID?

As of April 18, 2026, the average 30-year fixed mortgage rate in Boise, ID is approximately 6.65%, based on Freddie Mac Primary Mortgage Market Survey (PMMS) data. The median home price in Boise, ID is approximately $445,000, making the estimated monthly principal and interest payment on a 20%-down conventional loan approximately $1,926.

Borrowers in Boise, ID can choose among conventional 30-year fixed, FHA, VA, USDA, and jumbo loans. The 2026 FHA loan limit in Idaho is $524,225 for a single-family home, which means the majority of Boise, ID purchases qualify for FHA financing with as little as 3.5% down for credit scores of 580 or higher. VA loans offer zero down payment for eligible veterans and active-duty service members. Jumbo loans apply above the conforming and FHA limits and generally require credit scores above 700 and 10–20% down.

To secure the best available rate in Boise, ID, compare APRs (not just rates) from at least three ID-licensed lenders within a 14-day window so credit inquiries score as a single event. Credit scores of 740 or higher typically receive the lowest rates; scores below 680 pay 0.25%–0.75% more. First-time buyers may qualify for the Idaho Housing Finance Authority programs, which can provide down payment assistance and below-market interest rates. Rate locks in Idaho typically run 30–60 days from pre-approval to closing.

Source: Freddie Mac PMMS. Last reviewed . Reviewed by 30YearMortgageRates.com editorial team. Rate shown is an informational regional average, not a lender offer. 30YearMortgageRates.com is not a lender. Actual terms vary by borrower qualifications, lender, and market conditions.

Current Mortgage Rates in Boise, ID

Compare average mortgage rates available to Boise borrowers. Rates are based on national averages from Freddie Mac and may vary by lender, credit score, and loan amount.

Loan TypeRateAPREst. Payment
30-Year Fixed6.65%6.82%$1,925/mo
15-Year Fixed5.90%6.12%$2,585/mo
FHA 30-Year6.25%7.15%$1,845/mo
VA 30-Year6.15%6.38%$1,815/mo
Jumbo 30-Year6.85%7.02%$2,125/mo

Top Mortgage Lenders in Boise, ID

Compare mortgage lenders serving Boise borrowers. All lenders shown are licensed to operate in Idaho.

Full-Service Mortgage Bank
  • Competitive 30-year fixed rates
  • Local Boise branch offices
  • Same-day pre-approval available
  • Dedicated ID loan officers
View Lender Details

Licensed ID Mortgage Broker
  • Low rate guarantee programs
  • Online application portal
  • First-time buyer specialists
  • Down payment assistance guidance
View Lender Details

Regional Mortgage Company
  • Serving Idaho since 2005
  • FHA/VA/USDA loan options
  • Free rate lock for 60 days
  • Local market expertise
View Lender Details

Boise Housing Market Overview

Understanding the Boise real estate market helps borrowers make informed mortgage decisions in Idaho.

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Boise Home Prices

The median home price in Boise is approximately $450,000. Local prices reflect the Mountain market dynamics and Boise's specific economic conditions and housing supply.

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Boise Market Trends

Boise's housing market reflects broader Idaho trends. Local inventory levels, days on market, and price appreciation help determine the best timing for mortgage applications.

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Cost of Living in Boise

Boise's cost of living, including property taxes and insurance rates, affects the total homeownership cost beyond the mortgage payment for ID residents.

Factors Affecting Mortgage Rates in Boise

Several local and national factors influence the mortgage rates available to Boise homebuyers.

Credit Score in Boise

Your credit score is the biggest factor in your Boise mortgage rate. Aim for 740+ for the best rates. Borrowers with excellent credit save thousands over the life of a 30-year loan.

Down Payment & LTV

A 20% down payment on a $450,000 home in Boise avoids PMI. FHA loans allow 3.5% down, making homeownership more accessible in Boise's market.

Local Lender Competition

Shopping 3-4 Boise-area lenders can save 0.25-0.5% on your rate. Compare banks, credit unions, and mortgage brokers serving the Boise market.

Rate Lock Strategy

When you find a competitive rate in Boise, lock it. Rate locks of 30-60 days protect you from market volatility during the closing process in ID.

Frequently Asked Questions: Boise Mortgage Rates

What is the current 30-year mortgage rate in Boise, ID?+

The average 30-year fixed rate in Boise is approximately 6.65% as of April 2026, based on Freddie Mac data. Your actual rate depends on credit score, down payment, loan amount, and lender. Shopping multiple Boise lenders typically saves 0.25-0.5%.

How much is a down payment on a home in Boise?+

With a median home price of $450,000 in Boise, a 20% down payment would be about $90,000. FHA loans require just 3.5% down, and VA loans offer zero down for eligible veterans in ID.

What credit score do I need for the best rates in Boise?+

For the best mortgage rates in Boise, aim for a credit score of 740+. Scores of 760+ get the absolute best rates. FHA loans in ID accept scores as low as 580 with 3.5% down.

Are there first-time homebuyer programs in Boise?+

Yes. The Idaho Housing Finance Authority offers down payment assistance and below-market rate programs. Federal programs including FHA, VA, and USDA loans are also available to Boise buyers. Contact local lenders for current program availability.

Should I choose a 30-year or 15-year mortgage in Boise?+

A 30-year fixed offers lower monthly payments, ideal for Boise buyers wanting payment flexibility. A 15-year saves on total interest but requires higher payments. With Boise's median price of $450,000, most buyers choose the 30-year for affordability.

Back to Idaho Rates

Compare Nearby Mortgage Markets

Explore mortgage rates and housing data in nearby cities to find the best market for your home purchase.

More Cities in Idaho

Meridian, ID$475,000Median Home PriceNampa, ID$385,000Median Home Price

Nearby State Markets

Billings, MT$365,000Median Home PriceMissoula, MT$495,000Median Home PriceCheyenne, WY$325,000Median Home PriceCasper, WY$265,000Median Home PriceSalt Lake City, UT$525,000Median Home PriceProvo, UT$445,000Median Home PriceLas Vegas, NV$415,000Median Home PriceReno, NV$515,000Median Home Price
View All Idaho Mortgage Rates →

Top Mortgage Lenders in Boise, Idaho

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