Idaho mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Ada County | 7,178 | 6.25% | $8,356 | 6.125% |
| Canyon County | 4,186 | 6.125% | $9,985 | 6.125% |
| Kootenai County | 2,330 | 6.375% | $9,086 | 6.25% |
| Bonneville County | 1,581 | 6.25% | $8,968 | 6.125% |
| Twin Falls County | 1,121 | 6.25% | $8,985 | 6.125% |
| Bannock County | 958 | 6.25% | $8,469 | 6.124% |
| Bonner County | 483 | 6.5% | $8,806 | 6.375% |
| Bingham County | 437 | 6.188% | $9,065 | 6.125% |
| Elmore County | 425 | 6.125% | $9,679 | 5.99% |
| Jefferson County | 411 | 6.25% | $9,537 | 6.125% |
| Nez Perce County | 405 | 6.375% | $8,277 | 6.215% |
| Payette County | 344 | 6.25% | $8,704 | 6.25% |
| Latah County | 299 | 6.5% | $5,732 | 6.125% |
| Madison County | 292 | 6.375% | $8,470 | 6.25% |
| Gem County | 272 | 6.375% | $8,104 | 6.25% |
| Jerome County | 265 | 6.25% | $9,795 | 6.25% |
| Minidoka County | 245 | 6.25% | $9,018 | 6.25% |
| Cassia County | 206 | 6.25% | $9,033 | 6.375% |
| Blaine County | 176 | 6.377% | $7,291 | 6.25% |
| Shoshone County | 164 | 6.375% | $8,094 | 6.375% |
| Franklin County | 148 | 6.156% | $6,996 | 6.188% |
| Valley County | 135 | 6.5% | $8,525 | 6.25% |
| Boise County | 130 | 6.375% | $7,561 | 6.5% |
| Teton County | 126 | 6.375% | $7,807 | 6.25% |
| Gooding County | 121 | 6.25% | $8,150 | 6.25% |
| Idaho County | 109 | 6.437% | $5,696 | 6.375% |
| Boundary County | 106 | 6.49% | $7,772 | 6.375% |
| Washington County | 103 | 6.125% | $9,909 | 6.25% |
| Fremont County | 102 | 6.25% | $8,285 | 6.433% |
| Owyhee County | 101 | 6.25% | $9,704 | 6.25% |
| Benewah County | 78 | 6.5% | $7,421 | 6.375% |
| Clearwater County | 72 | 6.312% | $5,925 | 6.35% |
| Caribou County | 66 | 6.25% | $7,815 | 6.125% |
| Oneida County | 60 | 6.375% | $8,383 | 5.99% |
| Lincoln County | 50 | 6.375% | $8,764 | 6.375% |
| Lemhi County | 49 | 6.375% | $7,448 | 6.476% |
| Power County | 41 | 6.312% | $7,579 | 5.99% |
| Custer County | 36 | 6.5% | $7,610 | 6.375% |
| Bear Lake County | 36 | 6.375% | $5,920 | 6.25% |
| Adams County | 36 | 6.5% | $6,276 | 6.5% |
| Butte County | 26 | 6.495% | $6,343 | 6.061% |
| Lewis County | 24 | 6.375% | $6,009 | 6.374% |
| Camas County | 23 | 6.475% | $8,641 | 6.375% |
| Clark County | 5 | 6.619% | $7,140 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.