Mortgage Rates in Kuna, Idaho — March 2026
Updated March 2026 | Based on Kuna market data and regional lending conditions
Kuna is a growing city in Idaho with a population of 24,894. The current 30-year fixed mortgage rate in Kuna is 6.79%, which is 0.14% above the national average. With a median home price of $336,000 and a 20% down payment of $67,200, homebuyers can expect a monthly principal and interest payment of approximately $1,751.
Current Mortgage Rates in Kuna, ID
Below are the current average mortgage rates available in the Kuna 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% |
Kuna Housing Market Overview
The Kuna housing market reflects moderate demand with prices near the national average. The median household income in Kuna is $60,500, and the cost of living index is 95.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $82,586 to comfortably afford the median-priced home in Kuna, which exceeds the current median household income.
Monthly Payment Breakdown for Kuna
Based on the median home price of $336,000 with 20% down ($67,200), here is what you can expect to pay monthly in Kuna:
15-Year vs. 30-Year Mortgage in Kuna
Choosing a 15-year mortgage in Kuna at 6.02% instead of a 30-year at 6.79% would save you $221,580 in total interest over the life of the loan. However, your monthly payment would be $2,271 instead of $1,751 — an increase of $520 per month.
Calculate Your Kuna 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 Kuna
What are the current mortgage rates in Kuna, ID?
As of March 2026, the average 30-year fixed mortgage rate in Kuna, 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 Kuna?
Based on the median home price of $336,000 with 20% down, the estimated monthly mortgage payment in Kuna is $1,751 for principal and interest. Including property taxes of $176/month, the total monthly housing cost is approximately $1,927.
What income do I need to buy a home in Kuna?
Using the 28% rule, you would need an annual income of approximately $82,586 to afford the median-priced home in Kuna at $336,000. The median household income in Kuna is $60,500. This means most households would need to either earn above the median or consider homes below $336,000.
Is Kuna a good place to buy a home in 2026?
Kuna offers a below-average cost of living with a cost of living index of 95.6 (national average = 100). The property tax rate in Idaho is 0.63%, which is below the national average. Kuna has a population of 24,894 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 Kuna, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.