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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.797%APR 6.830% | 0 pts$0 | $3,810/moP&I $3,810 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.913%APR 6.885% | 0 pts$0 | $3,806/moP&I $3,533 · MI $273 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.839%APR 5.884% | 0 pts$0 | $3,445/moP&I $3,445 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.508%APR 6.539% | 0 pts$0 | $3,698/moP&I $3,698 · MI $0 | See details |
| Investment Property FixedConforming | 7.472%APR 7.509% | 0 pts$0 | $4,076/moP&I $4,076 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.839% | 5.884% | 0 pts ($0) | $4,882/mo | $95,797 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.839% | 5.885% | 0 pts ($0) | $6,103/mo | $133,995 |
Condo 10% Down | 10% | 720 credit score | 6.983% | 7.145% | 0 pts ($0) | $4,368/mo | $152,424 |
Conventional 10% Down | 10% | 720 credit score | 6.486% | 6.637% | 0 pts ($0) | $4,151/mo | $142,578 |
Conventional 20% Down | 20% | 740 credit score | 6.797% | 6.830% | 0 pts ($0) | $3,810/mo | $117,304 |
Conventional 5% Down | 5% | 700 credit score | 6.927% | 7.399% | 0 pts ($0) | $4,585/mo | $159,720 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.222% | 7.257% | 0 pts ($0) | $4,971/mo | $170,241 |
Conventional High Balance | 10% | 740 credit score | 6.999% | 7.032% | 0 pts ($0) | $4,375/mo | $148,795 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.583% | 6.948% | 0 pts ($0) | $4,519/mo | $162,117 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.508% | 6.539% | 0 pts ($0) | $4,623/mo | $154,520 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $6,030/mo | $143,769 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.913% | 6.885% | 0 pts ($0) | $4,262/mo | $149,071 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $4,427/mo | $154,991 |
FHA Streamline Refi | 0% | 640 credit score | 6.020% | 6.994% | 0 pts ($0) | $4,467/mo | $156,868 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.901% | 7.141% | 0 pts ($0) | $4,572/mo | $165,424 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $4,572/mo | $89,508 |
Investment Property 25% Down | 25% | 740 credit score | 7.472% | 7.509% | 0 pts ($0) | $3,822/mo | $121,128 |
Jumbo Conforming | 20% | 760 credit score | 7.000% | 7.032% | 0 pts ($0) | $3,889/mo | $120,880 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $4,249/mo | $130,283 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.262% | 7.240% | 0 pts ($0) | $4,423/mo | $156,598 |
Second Home 10% Down | 10% | 720 credit score | 7.465% | 7.636% | 0 pts ($0) | $4,583/mo | $161,985 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,844/mo | $118,837 |
VA 0% Down | 0% | 700 credit score | 5.912% | 6.151% | 0 pts ($0) | $4,433/mo | $145,619 |
VA Cash-Out Refi | 0% | 640 credit score | 5.917% | 6.279% | 0 pts ($0) | $4,436/mo | $145,731 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.927% | 6.075% | 0 pts ($0) | $4,440/mo | $145,955 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $4,021/mo | $127,209 |
Frequently Asked Questions
What are today's mortgage rates in 83424, , ID across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 83424, , ID is 6.797% (with an estimated monthly payment of $4,237). Active program rates also include FHA 30-year fixed loans at 5.913% and VA 0%-down fixed loans at 5.912%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 83424, , ID?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 83424, , ID have fluctuated between a low of 6.416% and a high of 6.873%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 83424, , ID?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $730,736 in 83424, , ID, a standard 20%-down Conventional loan requires an upfront cash down payment of $146,147 but keeps your monthly payment lower at $4,237/mo (at 6.797% interest) with no monthly PMI. In comparison, an FHA loan requires only $25,576 (3.5% down) but has an estimated payment of $4,739/mo (at 5.913% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $705,160 falls comfortably within the local HUD FHA loan limit of $840,346 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 83424 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 83424 is $806,501. With a typical local home value of $730,736 in , a standard 20%-down mortgage requires a loan size of $584,589. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 83424, , ID impact estimated mortgage payments?
The median home value in 83424, , ID is estimated at $730,736. Buying a typical home here with a standard 20% down payment ($146,147) translates to an estimated starting monthly mortgage payment of $4,237 (principal and interest). Compared to the local area median household income of $112,750 ($9,396/mo), this basic housing payment represents approximately 45.1% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.