Rate Weather

For Idaho homebuyers

Today's rate weather, before you take off.

The housing numbers that matter, from public sources, in plain English. Updated in real time, from real data.

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A free tool from Good Co. Broker Club, LLC.

National

Public averages · percent

30-year fixed mortgage average

Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US), week of Nov 5, 2026.

7.18%

+0.96 percentage points over 1Y

Range high
7.40%
Range low
5.98%
Nov 6, 2025Nov 5, 2026

Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US), week of Nov 5, 2026.

Last 8 readings

Week ofValue
Nov 5, 20267.18%
Oct 29, 20267.24%
Oct 22, 20267.32%
Oct 15, 20267.40%
Oct 8, 20267.40%
Oct 1, 20267.28%
Sep 24, 20267.03%
Sep 17, 20266.95%

Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US), week of Nov 5, 2026.

10-year Treasury yield

Source: Board of Governors of the Federal Reserve System (H.15) via FRED (DGS10), as of Nov 4, 2026.

4.90%

+0.80 percentage points over 1Y

Range high
5.31%
Range low
3.97%
Nov 4, 2025Nov 4, 2026

Source: Board of Governors of the Federal Reserve System (H.15) via FRED (DGS10), as of Nov 4, 2026.

Last 8 readings

DateValue
Nov 4, 20264.90%
Nov 3, 20264.95%
Nov 2, 20264.91%
Oct 30, 20264.94%
Oct 29, 20264.98%
Oct 28, 20265.05%
Oct 27, 20264.99%
Oct 26, 20265.00%

Source: Board of Governors of the Federal Reserve System (H.15) via FRED (DGS10), as of Nov 4, 2026.

These are published market averages, not a rate quote or an offer.

Idaho regions

Data month
Metro areaMedian listing priceValue · MoM · YoYActive listingsValue · MoM · YoYMedian days on marketValue · MoM · YoY
Boise metro$609,450
-0.1% MoM+1.8% YoY
2,888
+1.2% MoM-4.4% YoY
50 days
+6.4% MoM-2.0% YoY
Idaho Falls metro$440,000
-2.2% MoM-1.3% YoY
685
+0.4% MoM+4.6% YoY
57 days
+9.6% MoM-5.0% YoY
Pocatello metro$399,450
-0.1% MoM-0.7% YoY
366
-4.2% MoM-2.9% YoY
78 days
+11.4% MoM-1.3% YoY
Twin Falls metro$466,500
+0.2% MoM+8.5% YoY
495
-0.4% MoM-13.6% YoY
78 days
+2.6% MoM+5.4% YoY
Coeur d'Alene metro$762,443
+0.5% MoM-2.8% YoY
979
-5.3% MoM-1.7% YoY
63 days
+12.5% MoM-7.4% YoY
Lewiston metro$437,000
+1.6% MoM-1.7% YoY
233
+5.4% MoM-16.2% YoY
59 days
+1.7% MoM-21.3% YoY

Source: Realtor.com Residential Data via FRED, October 2026.

Source: Realtor.com Residential Data via FRED, October 2026.

Plain-English notes

Rates 101: Why the 10-year Treasury matters

Mortgage rates don't follow the Fed's rate directly. They tend to move with the 10-year Treasury yield, because investors who buy mortgage bonds compare them with Treasuries. When that yield climbs, average mortgage rates usually follow. When it eases, they often drift down. The gap between the two lines on the chart is a rough read on what's called the spread, and it tends to widen when markets get nervous.

General education, not advice about your situation.

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