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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 | 6.837%APR 6.871% | 0 pts$0 | $3,217/moP&I $3,217 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.975%APR 6.743% | 0 pts$0 | $3,220/moP&I $2,991 · MI $229 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.887%APR 5.934% | 0 pts$0 | $2,912/moP&I $2,912 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.574%APR 6.607% | 0 pts$0 | $3,131/moP&I $3,131 · MI $0 | See details |
| Investment Property FixedConforming | 7.526%APR 7.565% | 0 pts$0 | $3,446/moP&I $3,446 · 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 | 5.887% | 5.934% | 0 pts ($0) | $4,119/mo | $81,247 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.897% | 5.946% | 0 pts ($0) | $5,152/mo | $113,721 |
Condo 10% Down | 10% | 720 credit score | 7.043% | 7.207% | 0 pts ($0) | $3,696/mo | $129,189 |
Conventional 10% Down | 10% | 720 credit score | 6.524% | 6.676% | 0 pts ($0) | $3,505/mo | $120,541 |
Conventional 20% Down | 20% | 740 credit score | 6.837% | 6.871% | 0 pts ($0) | $3,217/mo | $99,245 |
Conventional 5% Down | 5% | 700 credit score | 6.962% | 7.438% | 0 pts ($0) | $3,869/mo | $134,940 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.279% | 7.316% | 0 pts ($0) | $4,204/mo | $144,230 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,637/mo | $123,220 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.728% | 7.099% | 0 pts ($0) | $3,858/mo | $138,943 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.574% | 6.607% | 0 pts ($0) | $3,914/mo | $131,172 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,071/mo | $120,910 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.975% | 6.743% | 0 pts ($0) | $3,608/mo | $126,493 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,723/mo | $130,348 |
FHA Streamline Refi | 0% | 640 credit score | 6.104% | 6.874% | 0 pts ($0) | $3,791/mo | $133,505 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.936% | 7.177% | 0 pts ($0) | $3,859/mo | $139,737 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $3,845/mo | $75,276 |
Investment Property 25% Down | 25% | 740 credit score | 7.526% | 7.565% | 0 pts ($0) | $3,231/mo | $102,619 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $3,312/mo | $103,513 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $3,573/mo | $109,568 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.344% | 7.118% | 0 pts ($0) | $3,752/mo | $133,187 |
Second Home 10% Down | 10% | 720 credit score | 5.978% | 6.550% | 0 pts ($0) | $3,308/mo | $111,458 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $3,233/mo | $99,942 |
VA 0% Down | 0% | 700 credit score | 5.962% | 6.203% | 0 pts ($0) | $3,748/mo | $123,408 |
VA Cash-Out Refi | 0% | 640 credit score | 5.969% | 6.334% | 0 pts ($0) | $3,751/mo | $123,540 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 5.983% | 6.133% | 0 pts ($0) | $3,757/mo | $123,804 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $3,382/mo | $106,983 |
Frequently Asked Questions
What are today's mortgage rates in 83809, , ID across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 83809, , ID is 6.837% (with an estimated monthly payment of $3,101). Active program rates also include FHA 30-year fixed loans at 5.975% and VA 0%-down fixed loans at 5.962%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 83809, , 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 83809, , ID have fluctuated between a low of 6.458% and a high of 6.918%. 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 83809, , ID?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $614,549 in 83809, , ID, a standard 20%-down Conventional loan requires an upfront cash down payment of $122,910 but keeps your monthly payment lower at $3,101/mo (at 6.837% interest) with no monthly PMI. In comparison, an FHA loan requires only $21,509 (3.5% down) but has an estimated payment of $3,293/mo (at 5.975% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $593,040 falls comfortably within the local HUD FHA loan limit of $706,731 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 83809 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 83809 is $806,501. With a typical local home value of $614,549 in , a standard 20%-down mortgage requires a loan size of $491,639. 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 83809, , ID impact estimated mortgage payments?
The median home value in 83809, , ID is estimated at $614,549. Buying a typical home here with a standard 20% down payment ($122,910) translates to an estimated starting monthly mortgage payment of $3,101 (principal and interest). Compared to the local area median household income of $60,378 ($5,032/mo), this basic housing payment represents approximately 61.6% 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.