Mortgage Rates in Pocatello, Idaho — March 2026
Updated March 2026 | Based on Pocatello market data and regional lending conditions
Pocatello is a growing city in Idaho with a population of 56,264. The current 30-year fixed mortgage rate in Pocatello is 6.7%, which is 0.05% above the national average. With a median home price of $275,000 and a 20% down payment of $55,000, homebuyers can expect a monthly principal and interest payment of approximately $1,420.
Current Mortgage Rates in Pocatello, ID
Below are the current average mortgage rates available in the Pocatello 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% |
Pocatello Housing Market Overview
The Pocatello housing market offers relatively affordable housing compared to many major cities. The median household income in Pocatello is $45,250, and the cost of living index is 87.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $67,629 to comfortably afford the median-priced home in Pocatello, which exceeds the current median household income.
Monthly Payment Breakdown for Pocatello
Based on the median home price of $275,000 with 20% down ($55,000), here is what you can expect to pay monthly in Pocatello:
15-Year vs. 30-Year Mortgage in Pocatello
Choosing a 15-year mortgage in Pocatello at 5.94% instead of a 30-year at 6.7% would save you $178,380 in total interest over the life of the loan. However, your monthly payment would be $1,849 instead of $1,420 — an increase of $429 per month.
Calculate Your Pocatello 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 Pocatello
What are the current mortgage rates in Pocatello, ID?
As of March 2026, the average 30-year fixed mortgage rate in Pocatello, 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 Pocatello?
Based on the median home price of $275,000 with 20% down, the estimated monthly mortgage payment in Pocatello is $1,420 for principal and interest. Including property taxes of $158/month, the total monthly housing cost is approximately $1,578.
What income do I need to buy a home in Pocatello?
Using the 28% rule, you would need an annual income of approximately $67,629 to afford the median-priced home in Pocatello at $275,000. The median household income in Pocatello is $45,250. This means most households would need to either earn above the median or consider homes below $275,000.
Is Pocatello a good place to buy a home in 2026?
Pocatello offers a below-average cost of living with a cost of living index of 87.5 (national average = 100). The property tax rate in Idaho is 0.69%, which is below the national average. Pocatello has a population of 56,264 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 Pocatello, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.