Mortgage Rates in Coeur d'Alene, Idaho — March 2026
Updated March 2026 | Based on Coeur d'Alene market data and regional lending conditions
Coeur d'Alene is a growing city in Idaho with a population of 54,068. The current 30-year fixed mortgage rate in Coeur d'Alene is 6.7%, which is 0.05% above the national average. With a median home price of $495,000 and a 20% down payment of $99,000, homebuyers can expect a monthly principal and interest payment of approximately $2,555.
Current Mortgage Rates in Coeur d'Alene, ID
Below are the current average mortgage rates available in the Coeur d'Alene 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% |
Coeur d'Alene Housing Market Overview
The Coeur d'Alene housing market reflects moderate demand with prices near the national average. The median household income in Coeur d'Alene is $52,250, and the cost of living index is 102.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $121,714 to comfortably afford the median-priced home in Coeur d'Alene, which exceeds the current median household income.
Monthly Payment Breakdown for Coeur d'Alene
Based on the median home price of $495,000 with 20% down ($99,000), here is what you can expect to pay monthly in Coeur d'Alene:
15-Year vs. 30-Year Mortgage in Coeur d'Alene
Choosing a 15-year mortgage in Coeur d'Alene at 5.94% instead of a 30-year at 6.7% would save you $320,580 in total interest over the life of the loan. However, your monthly payment would be $3,329 instead of $2,555 — an increase of $774 per month.
Calculate Your Coeur d'Alene Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Coeur d'Alene
What are the current mortgage rates in Coeur d'Alene, ID?
As of March 2026, the average 30-year fixed mortgage rate in Coeur d'Alene, 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 Coeur d'Alene?
Based on the median home price of $495,000 with 20% down, the estimated monthly mortgage payment in Coeur d'Alene is $2,555 for principal and interest. Including property taxes of $285/month, the total monthly housing cost is approximately $2,840.
What income do I need to buy a home in Coeur d'Alene?
Using the 28% rule, you would need an annual income of approximately $121,714 to afford the median-priced home in Coeur d'Alene at $495,000. The median household income in Coeur d'Alene is $52,250. This means most households would need to either earn above the median or consider homes below $495,000.
Is Coeur d'Alene a good place to buy a home in 2026?
Coeur d'Alene has a moderate cost of living with a cost of living index of 102.5 (national average = 100). The property tax rate in Idaho is 0.69%, which is below the national average. Coeur d'Alene has a population of 54,068 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Coeur d'Alene, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.