Mortgage Rates in Ammon, Idaho — March 2026
Updated March 2026 | Based on Ammon market data and regional lending conditions
Ammon is a growing city in Idaho with a population of 17,898. The current 30-year fixed mortgage rate in Ammon is 6.78%, which is 0.13% above the national average. With a median home price of $325,000 and a 20% down payment of $65,000, homebuyers can expect a monthly principal and interest payment of approximately $1,692.
Current Mortgage Rates in Ammon, ID
Below are the current average mortgage rates available in the Ammon area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.01% | 5.89% | +0.12% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Ammon Housing Market Overview
The Ammon housing market reflects moderate demand with prices near the national average. The median household income in Ammon is $51,200, and the cost of living index is 92.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $80,057 to comfortably afford the median-priced home in Ammon, which exceeds the current median household income.
Monthly Payment Breakdown for Ammon
Based on the median home price of $325,000 with 20% down ($65,000), here is what you can expect to pay monthly in Ammon:
15-Year vs. 30-Year Mortgage in Ammon
Choosing a 15-year mortgage in Ammon at 6.01% instead of a 30-year at 6.78% would save you $214,020 in total interest over the life of the loan. However, your monthly payment would be $2,195 instead of $1,692 — an increase of $503 per month.
Calculate Your Ammon Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Ammon
What are the current mortgage rates in Ammon, ID?
As of March 2026, the average 30-year fixed mortgage rate in Ammon, Idaho is 6.78%, while the 15-year fixed rate is 6.01%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Ammon?
Based on the median home price of $325,000 with 20% down, the estimated monthly mortgage payment in Ammon is $1,692 for principal and interest. Including property taxes of $176/month, the total monthly housing cost is approximately $1,868.
What income do I need to buy a home in Ammon?
Using the 28% rule, you would need an annual income of approximately $80,057 to afford the median-priced home in Ammon at $325,000. The median household income in Ammon is $51,200. This means most households would need to either earn above the median or consider homes below $325,000.
Is Ammon a good place to buy a home in 2026?
Ammon offers a below-average cost of living with a cost of living index of 92.9 (national average = 100). The property tax rate in Idaho is 0.65%, which is below the national average. Ammon has a population of 17,898 and offers a very affordable lifestyle.
Mortgage Rates in Other Idaho Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Ammon, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.