Idaho Refinance Rates
Compare today's refi rates in Idaho (ID). Updated 2026-04-28.
Avg. 30-Year Refi Rate
6.66%
State average · ID
Avg. 15-Year Refi Rate
5.90%
State average · ID
Est. Closing Costs
$4,800
Typical range in ID
Idaho refi rates (6.66%) are 0.10% below the national average (6.76%). Source: FRED · Updated 2026-04-28.
Top Refi Lenders in Idaho (12)
30yr: 6.305%15yr: 5.555%Cash-out: 6.555%
30yr: 6.305%15yr: 5.555%Cash-out: 6.430%
30yr: 6.380%15yr: 5.630%Cash-out: 6.580%
30yr: 6.420%15yr: 5.680%Cash-out: 6.680%
30yr: 6.430%15yr: 5.680%Cash-out: 6.680%
Refinancing Tips for Idaho Homeowners
- • Average closing costs in ID are approximately $4,800 — factor this into your break-even calculation.
- • With a 30-year refi rate of 6.66%, homeowners who locked in rates above 7.5% may save significantly by refinancing.
- • Idaho has no special state tax on mortgage refinancing — check with your tax advisor for deductibility of points and fees.
- • VA IRRRL and FHA streamline refinances require less documentation and no new appraisal in most cases, making them faster to close.
FAQ: Refinancing in Idaho
What is the average refinance rate in Idaho?+
The average 30-year refinance rate in Idaho is approximately 6.66%, compared to the national average of 6.76%.
How much are refinance closing costs in Idaho?+
Estimated refinance closing costs in Idaho are approximately $4,800. This typically includes origination fees, appraisal, title insurance, and government recording fees.
How long does it take to refinance in Idaho?+
A typical refinance in Idaho takes 30-45 days from application to closing. VA IRRRL and FHA streamline refinances may close faster due to reduced documentation requirements.