Mortgage Rates in Post Falls, Idaho — March 2026
Updated March 2026 | Based on Post Falls market data and regional lending conditions
Post Falls is a growing city in Idaho with a population of 39,865. The current 30-year fixed mortgage rate in Post Falls is 6.03%, which is 0.62% below the national average. With a median home price of $425,000 and a 20% down payment of $85,000, homebuyers can expect a monthly principal and interest payment of approximately $2,045.
Current Mortgage Rates in Post Falls, ID
Below are the current average mortgage rates available in the Post Falls 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 | 6.03% | 6.65% | -0.62% |
| 15-Year Fixed | 5.27% | 5.89% | -0.62% |
| 5/1 ARM | 5.53% | 6.15% | -0.62% |
| FHA | 5.63% | 6.25% | -0.62% |
| VA | 5.43% | 6.05% | -0.62% |
| Jumbo | 6.23% | 6.85% | -0.62% |
Post Falls Housing Market Overview
The Post Falls housing market reflects moderate demand with prices near the national average. The median household income in Post Falls is $55,000, and the cost of living index is 102 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $98,271 to comfortably afford the median-priced home in Post Falls, which exceeds the current median household income.
Monthly Payment Breakdown for Post Falls
Based on the median home price of $425,000 with 20% down ($85,000), here is what you can expect to pay monthly in Post Falls:
15-Year vs. 30-Year Mortgage in Post Falls
Choosing a 15-year mortgage in Post Falls at 5.27% instead of a 30-year at 6.03% would save you $243,540 in total interest over the life of the loan. However, your monthly payment would be $2,737 instead of $2,045 — an increase of $692 per month.
Calculate Your Post Falls 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 Post Falls
What are the current mortgage rates in Post Falls, ID?
As of March 2026, the average 30-year fixed mortgage rate in Post Falls, Idaho is 6.03%, while the 15-year fixed rate is 5.27%. FHA loans average 5.63% and VA loans 5.43%. These rates are 0.62% below the national average of 6.65%.
How much is a monthly mortgage payment in Post Falls?
Based on the median home price of $425,000 with 20% down, the estimated monthly mortgage payment in Post Falls is $2,045 for principal and interest. Including property taxes of $248/month, the total monthly housing cost is approximately $2,293.
What income do I need to buy a home in Post Falls?
Using the 28% rule, you would need an annual income of approximately $98,271 to afford the median-priced home in Post Falls at $425,000. The median household income in Post Falls is $55,000. This means most households would need to either earn above the median or consider homes below $425,000.
Is Post Falls a good place to buy a home in 2026?
Post Falls has a moderate cost of living with a cost of living index of 102 (national average = 100). The property tax rate in Idaho is 0.7%, which is below the national average. Post Falls has a population of 39,865 and offers a balanced 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 Post Falls, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.