Mortgage Rates in Moscow, Idaho — March 2026
Updated March 2026 | Based on Moscow market data and regional lending conditions
Moscow is a growing city in Idaho with a population of 26,225. The current 30-year fixed mortgage rate in Moscow is 6.44%, which is 0.21% below the national average. With a median home price of $365,000 and a 20% down payment of $73,000, homebuyers can expect a monthly principal and interest payment of approximately $1,835.
Current Mortgage Rates in Moscow, ID
Below are the current average mortgage rates available in the Moscow 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 | 6.44% | 6.65% | -0.21% |
| 15-Year Fixed | 5.68% | 5.89% | -0.21% |
| 5/1 ARM | 5.94% | 6.15% | -0.21% |
| FHA | 6.04% | 6.25% | -0.21% |
| VA | 5.84% | 6.05% | -0.21% |
| Jumbo | 6.64% | 6.85% | -0.21% |
Moscow Housing Market Overview
The Moscow housing market reflects moderate demand with prices near the national average. The median household income in Moscow is $40,000, and the cost of living index is 98 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $87,900 to comfortably afford the median-priced home in Moscow, which exceeds the current median household income.
Monthly Payment Breakdown for Moscow
Based on the median home price of $365,000 with 20% down ($73,000), here is what you can expect to pay monthly in Moscow:
15-Year vs. 30-Year Mortgage in Moscow
Choosing a 15-year mortgage in Moscow at 5.68% instead of a 30-year at 6.44% would save you $226,080 in total interest over the life of the loan. However, your monthly payment would be $2,414 instead of $1,835 — an increase of $579 per month.
Calculate Your Moscow 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 Moscow
What are the current mortgage rates in Moscow, ID?
As of March 2026, the average 30-year fixed mortgage rate in Moscow, Idaho is 6.44%, while the 15-year fixed rate is 5.68%. FHA loans average 6.04% and VA loans 5.84%. These rates are 0.21% below the national average of 6.65%.
How much is a monthly mortgage payment in Moscow?
Based on the median home price of $365,000 with 20% down, the estimated monthly mortgage payment in Moscow is $1,835 for principal and interest. Including property taxes of $216/month, the total monthly housing cost is approximately $2,051.
What income do I need to buy a home in Moscow?
Using the 28% rule, you would need an annual income of approximately $87,900 to afford the median-priced home in Moscow at $365,000. The median household income in Moscow is $40,000. This means most households would need to either earn above the median or consider homes below $365,000.
Is Moscow a good place to buy a home in 2026?
Moscow offers a below-average cost of living with a cost of living index of 98 (national average = 100). The property tax rate in Idaho is 0.71%, which is below the national average. Moscow has a population of 26,225 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 Moscow, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.