Mortgage Rates in Hailey, Idaho — March 2026
Updated March 2026 | Based on Hailey market data and regional lending conditions
Hailey is a growing city in Idaho with a population of 9,463. The current 30-year fixed mortgage rate in Hailey is 6.82%, which is 0.17% above the national average. With a median home price of $349,000 and a 20% down payment of $69,800, homebuyers can expect a monthly principal and interest payment of approximately $1,824.
Current Mortgage Rates in Hailey, ID
Below are the current average mortgage rates available in the Hailey 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Hailey Housing Market Overview
The Hailey housing market reflects moderate demand with prices near the national average. The median household income in Hailey is $58,500, and the cost of living index is 88.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $85,543 to comfortably afford the median-priced home in Hailey, which exceeds the current median household income.
Monthly Payment Breakdown for Hailey
Based on the median home price of $349,000 with 20% down ($69,800), here is what you can expect to pay monthly in Hailey:
15-Year vs. 30-Year Mortgage in Hailey
Choosing a 15-year mortgage in Hailey at 6.05% instead of a 30-year at 6.82% would save you $231,120 in total interest over the life of the loan. However, your monthly payment would be $2,364 instead of $1,824 — an increase of $540 per month.
Calculate Your Hailey 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 Hailey
What are the current mortgage rates in Hailey, ID?
As of March 2026, the average 30-year fixed mortgage rate in Hailey, Idaho is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Hailey?
Based on the median home price of $349,000 with 20% down, the estimated monthly mortgage payment in Hailey is $1,824 for principal and interest. Including property taxes of $172/month, the total monthly housing cost is approximately $1,996.
What income do I need to buy a home in Hailey?
Using the 28% rule, you would need an annual income of approximately $85,543 to afford the median-priced home in Hailey at $349,000. The median household income in Hailey is $58,500. This means most households would need to either earn above the median or consider homes below $349,000.
Is Hailey a good place to buy a home in 2026?
Hailey offers a below-average cost of living with a cost of living index of 88.1 (national average = 100). The property tax rate in Idaho is 0.59%, which is below the national average. Hailey has a population of 9,463 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 Hailey, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.