Mortgage Rates in McCall, Idaho — March 2026
Updated March 2026 | Based on McCall market data and regional lending conditions
McCall is a growing city in Idaho with a population of 3,758. The current 30-year fixed mortgage rate in McCall is 6.76%, which is 0.11% above the national average. With a median home price of $350,000 and a 20% down payment of $70,000, homebuyers can expect a monthly principal and interest payment of approximately $1,818.
Current Mortgage Rates in McCall, ID
Below are the current average mortgage rates available in the McCall 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.01% | 6.85% | +0.16% |
McCall Housing Market Overview
The McCall housing market reflects moderate demand with prices near the national average. The median household income in McCall is $59,200, and the cost of living index is 88.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $86,057 to comfortably afford the median-priced home in McCall, which exceeds the current median household income.
Monthly Payment Breakdown for McCall
Based on the median home price of $350,000 with 20% down ($70,000), here is what you can expect to pay monthly in McCall:
15-Year vs. 30-Year Mortgage in McCall
Choosing a 15-year mortgage in McCall at 6% instead of a 30-year at 6.76% would save you $229,140 in total interest over the life of the loan. However, your monthly payment would be $2,363 instead of $1,818 — an increase of $545 per month.
Calculate Your McCall 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 McCall
What are the current mortgage rates in McCall, ID?
As of March 2026, the average 30-year fixed mortgage rate in McCall, Idaho is 6.76%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in McCall?
Based on the median home price of $350,000 with 20% down, the estimated monthly mortgage payment in McCall is $1,818 for principal and interest. Including property taxes of $190/month, the total monthly housing cost is approximately $2,008.
What income do I need to buy a home in McCall?
Using the 28% rule, you would need an annual income of approximately $86,057 to afford the median-priced home in McCall at $350,000. The median household income in McCall is $59,200. This means most households would need to either earn above the median or consider homes below $350,000.
Is McCall a good place to buy a home in 2026?
McCall offers a below-average cost of living with a cost of living index of 88.9 (national average = 100). The property tax rate in Idaho is 0.65%, which is below the national average. McCall has a population of 3,758 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 McCall, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.