Mortgage Rates in Caldwell, Idaho — March 2026
Updated March 2026 | Based on Caldwell market data and regional lending conditions
Caldwell is a growing city in Idaho with a population of 61,596. The current 30-year fixed mortgage rate in Caldwell is 6.7%, which is 0.05% above the national average. With a median home price of $335,000 and a 20% down payment of $67,000, homebuyers can expect a monthly principal and interest payment of approximately $1,729.
Current Mortgage Rates in Caldwell, ID
Below are the current average mortgage rates available in the Caldwell 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Caldwell Housing Market Overview
The Caldwell housing market reflects moderate demand with prices near the national average. The median household income in Caldwell is $48,250, and the cost of living index is 90.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $82,371 to comfortably afford the median-priced home in Caldwell, which exceeds the current median household income.
Monthly Payment Breakdown for Caldwell
Based on the median home price of $335,000 with 20% down ($67,000), here is what you can expect to pay monthly in Caldwell:
15-Year vs. 30-Year Mortgage in Caldwell
Choosing a 15-year mortgage in Caldwell at 5.94% instead of a 30-year at 6.7% would save you $216,900 in total interest over the life of the loan. However, your monthly payment would be $2,253 instead of $1,729 — an increase of $524 per month.
Calculate Your Caldwell Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Caldwell
What are the current mortgage rates in Caldwell, ID?
As of March 2026, the average 30-year fixed mortgage rate in Caldwell, Idaho is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Caldwell?
Based on the median home price of $335,000 with 20% down, the estimated monthly mortgage payment in Caldwell is $1,729 for principal and interest. Including property taxes of $193/month, the total monthly housing cost is approximately $1,922.
What income do I need to buy a home in Caldwell?
Using the 28% rule, you would need an annual income of approximately $82,371 to afford the median-priced home in Caldwell at $335,000. The median household income in Caldwell is $48,250. This means most households would need to either earn above the median or consider homes below $335,000.
Is Caldwell a good place to buy a home in 2026?
Caldwell offers a below-average cost of living with a cost of living index of 90.5 (national average = 100). The property tax rate in Idaho is 0.69%, which is below the national average. Caldwell has a population of 61,596 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 Caldwell, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.