Mortgage Rates in Chubbuck, Idaho — March 2026
Updated March 2026 | Based on Chubbuck market data and regional lending conditions
Chubbuck is a growing city in Idaho with a population of 15,584. The current 30-year fixed mortgage rate in Chubbuck is 6.79%, which is 0.14% above the national average. With a median home price of $388,000 and a 20% down payment of $77,600, homebuyers can expect a monthly principal and interest payment of approximately $2,022.
Current Mortgage Rates in Chubbuck, ID
Below are the current average mortgage rates available in the Chubbuck 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Chubbuck Housing Market Overview
The Chubbuck housing market reflects moderate demand with prices near the national average. The median household income in Chubbuck is $60,600, and the cost of living index is 97.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $95,657 to comfortably afford the median-priced home in Chubbuck, which exceeds the current median household income.
Monthly Payment Breakdown for Chubbuck
Based on the median home price of $388,000 with 20% down ($77,600), here is what you can expect to pay monthly in Chubbuck:
15-Year vs. 30-Year Mortgage in Chubbuck
Choosing a 15-year mortgage in Chubbuck at 6.02% instead of a 30-year at 6.79% would save you $255,780 in total interest over the life of the loan. However, your monthly payment would be $2,623 instead of $2,022 — an increase of $601 per month.
Calculate Your Chubbuck Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Chubbuck
What are the current mortgage rates in Chubbuck, ID?
As of March 2026, the average 30-year fixed mortgage rate in Chubbuck, Idaho is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Chubbuck?
Based on the median home price of $388,000 with 20% down, the estimated monthly mortgage payment in Chubbuck is $2,022 for principal and interest. Including property taxes of $210/month, the total monthly housing cost is approximately $2,232.
What income do I need to buy a home in Chubbuck?
Using the 28% rule, you would need an annual income of approximately $95,657 to afford the median-priced home in Chubbuck at $388,000. The median household income in Chubbuck is $60,600. This means most households would need to either earn above the median or consider homes below $388,000.
Is Chubbuck a good place to buy a home in 2026?
Chubbuck offers a below-average cost of living with a cost of living index of 97.6 (national average = 100). The property tax rate in Idaho is 0.65%, which is below the national average. Chubbuck has a population of 15,584 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 Chubbuck, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.