Mortgage Rates in Star, Idaho — March 2026
Updated March 2026 | Based on Star market data and regional lending conditions
Star is a growing city in Idaho with a population of 12,010. The current 30-year fixed mortgage rate in Star is 6.87%, which is 0.22% above the national average. With a median home price of $363,000 and a 20% down payment of $72,600, homebuyers can expect a monthly principal and interest payment of approximately $1,907.
Current Mortgage Rates in Star, ID
Below are the current average mortgage rates available in the Star 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Star Housing Market Overview
The Star housing market reflects moderate demand with prices near the national average. The median household income in Star is $48,900, and the cost of living index is 92.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $89,914 to comfortably afford the median-priced home in Star, which exceeds the current median household income.
Monthly Payment Breakdown for Star
Based on the median home price of $363,000 with 20% down ($72,600), here is what you can expect to pay monthly in Star:
15-Year vs. 30-Year Mortgage in Star
Choosing a 15-year mortgage in Star at 6.08% instead of a 30-year at 6.87% would save you $243,180 in total interest over the life of the loan. However, your monthly payment would be $2,463 instead of $1,907 — an increase of $556 per month.
Calculate Your Star 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 Star
What are the current mortgage rates in Star, ID?
As of March 2026, the average 30-year fixed mortgage rate in Star, Idaho is 6.87%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Star?
Based on the median home price of $363,000 with 20% down, the estimated monthly mortgage payment in Star is $1,907 for principal and interest. Including property taxes of $191/month, the total monthly housing cost is approximately $2,098.
What income do I need to buy a home in Star?
Using the 28% rule, you would need an annual income of approximately $89,914 to afford the median-priced home in Star at $363,000. The median household income in Star is $48,900. This means most households would need to either earn above the median or consider homes below $363,000.
Is Star a good place to buy a home in 2026?
Star offers a below-average cost of living with a cost of living index of 92.3 (national average = 100). The property tax rate in Idaho is 0.63%, which is below the national average. Star has a population of 12,010 and offers a very affordable 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 Star, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.