Mortgage Rates in Buhl, Idaho — March 2026
Updated March 2026 | Based on Buhl market data and regional lending conditions
Buhl is a growing city in Idaho with a population of 4,328. The current 30-year fixed mortgage rate in Buhl is 6.65%, which is at the national average. With a median home price of $299,000 and a 20% down payment of $59,800, homebuyers can expect a monthly principal and interest payment of approximately $1,536.
Current Mortgage Rates in Buhl, ID
Below are the current average mortgage rates available in the Buhl 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 | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Buhl Housing Market Overview
The Buhl housing market offers relatively affordable housing compared to many major cities. The median household income in Buhl is $59,500, and the cost of living index is 88.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $72,643 to comfortably afford the median-priced home in Buhl, which exceeds the current median household income.
Monthly Payment Breakdown for Buhl
Based on the median home price of $299,000 with 20% down ($59,800), here is what you can expect to pay monthly in Buhl:
15-Year vs. 30-Year Mortgage in Buhl
Choosing a 15-year mortgage in Buhl at 5.91% instead of a 30-year at 6.65% would save you $191,700 in total interest over the life of the loan. However, your monthly payment would be $2,007 instead of $1,536 — an increase of $471 per month.
Calculate Your Buhl Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Buhl
What are the current mortgage rates in Buhl, ID?
As of March 2026, the average 30-year fixed mortgage rate in Buhl, Idaho is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in Buhl?
Based on the median home price of $299,000 with 20% down, the estimated monthly mortgage payment in Buhl is $1,536 for principal and interest. Including property taxes of $159/month, the total monthly housing cost is approximately $1,695.
What income do I need to buy a home in Buhl?
Using the 28% rule, you would need an annual income of approximately $72,643 to afford the median-priced home in Buhl at $299,000. The median household income in Buhl is $59,500. This means most households would need to either earn above the median or consider homes below $299,000.
Is Buhl a good place to buy a home in 2026?
Buhl offers a below-average cost of living with a cost of living index of 88.6 (national average = 100). The property tax rate in Idaho is 0.64%, which is below the national average. Buhl has a population of 4,328 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 Buhl, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.