Mortgage Rates in Eagle, Idaho — March 2026
Updated March 2026 | Based on Eagle market data and regional lending conditions
Eagle is a growing city in Idaho with a population of 33,207. The current 30-year fixed mortgage rate in Eagle is 6.47%, which is 0.18% below the national average. With a median home price of $550,000 and a 20% down payment of $110,000, homebuyers can expect a monthly principal and interest payment of approximately $2,773.
Current Mortgage Rates in Eagle, ID
Below are the current average mortgage rates available in the Eagle 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 | 6.47% | 6.65% | -0.18% |
| 15-Year Fixed | 5.71% | 5.89% | -0.18% |
| 5/1 ARM | 5.97% | 6.15% | -0.18% |
| FHA | 6.07% | 6.25% | -0.18% |
| VA | 5.87% | 6.05% | -0.18% |
| Jumbo | 6.67% | 6.85% | -0.18% |
Eagle Housing Market Overview
The Eagle housing market is competitive with prices well above the national median. The median household income in Eagle is $85,000, and the cost of living index is 108 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $132,986 to comfortably afford the median-priced home in Eagle, which exceeds the current median household income.
Monthly Payment Breakdown for Eagle
Based on the median home price of $550,000 with 20% down ($110,000), here is what you can expect to pay monthly in Eagle:
15-Year vs. 30-Year Mortgage in Eagle
Choosing a 15-year mortgage in Eagle at 5.71% instead of a 30-year at 6.47% would save you $342,360 in total interest over the life of the loan. However, your monthly payment would be $3,644 instead of $2,773 — an increase of $871 per month.
Calculate Your Eagle 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 Eagle
What are the current mortgage rates in Eagle, ID?
As of March 2026, the average 30-year fixed mortgage rate in Eagle, Idaho is 6.47%, while the 15-year fixed rate is 5.71%. FHA loans average 6.07% and VA loans 5.87%. These rates are 0.18% below the national average of 6.65%.
How much is a monthly mortgage payment in Eagle?
Based on the median home price of $550,000 with 20% down, the estimated monthly mortgage payment in Eagle is $2,773 for principal and interest. Including property taxes of $330/month, the total monthly housing cost is approximately $3,103.
What income do I need to buy a home in Eagle?
Using the 28% rule, you would need an annual income of approximately $132,986 to afford the median-priced home in Eagle at $550,000. The median household income in Eagle is $85,000. This means most households would need to either earn above the median or consider homes below $550,000.
Is Eagle a good place to buy a home in 2026?
Eagle has a moderate cost of living with a cost of living index of 108 (national average = 100). The property tax rate in Idaho is 0.72%, which is below the national average. Eagle has a population of 33,207 and offers a balanced lifestyle.
Mortgage Rates in Other Idaho Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Eagle, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.