Mortgage Rates in Lewiston, Idaho — March 2026
Updated March 2026 | Based on Lewiston market data and regional lending conditions
Lewiston is a growing city in Idaho with a population of 33,901. The current 30-year fixed mortgage rate in Lewiston is 6.82%, which is 0.17% above the national average. With a median home price of $423,000 and a 20% down payment of $84,600, homebuyers can expect a monthly principal and interest payment of approximately $2,211.
Current Mortgage Rates in Lewiston, ID
Below are the current average mortgage rates available in the Lewiston 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Lewiston Housing Market Overview
The Lewiston housing market reflects moderate demand with prices near the national average. The median household income in Lewiston is $61,500, and the cost of living index is 96.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $104,271 to comfortably afford the median-priced home in Lewiston, which exceeds the current median household income.
Monthly Payment Breakdown for Lewiston
Based on the median home price of $423,000 with 20% down ($84,600), here is what you can expect to pay monthly in Lewiston:
15-Year vs. 30-Year Mortgage in Lewiston
Choosing a 15-year mortgage in Lewiston at 6.04% instead of a 30-year at 6.82% would save you $280,620 in total interest over the life of the loan. However, your monthly payment would be $2,863 instead of $2,211 — an increase of $652 per month.
Calculate Your Lewiston 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 Lewiston
What are the current mortgage rates in Lewiston, ID?
As of March 2026, the average 30-year fixed mortgage rate in Lewiston, Idaho is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Lewiston?
Based on the median home price of $423,000 with 20% down, the estimated monthly mortgage payment in Lewiston is $2,211 for principal and interest. Including property taxes of $222/month, the total monthly housing cost is approximately $2,433.
What income do I need to buy a home in Lewiston?
Using the 28% rule, you would need an annual income of approximately $104,271 to afford the median-priced home in Lewiston at $423,000. The median household income in Lewiston is $61,500. This means most households would need to either earn above the median or consider homes below $423,000.
Is Lewiston a good place to buy a home in 2026?
Lewiston offers a below-average cost of living with a cost of living index of 96.6 (national average = 100). The property tax rate in Idaho is 0.63%, which is below the national average. Lewiston has a population of 33,901 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 Lewiston, Idaho area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.