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 Oct 22, 2026.

7.32%

+1.13 percentage points over 1Y

Range high
7.40%
Range low
5.98%
Oct 23, 2025Oct 22, 2026

Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US), week of Oct 22, 2026.

Last 8 readings

Week ofValue
Oct 22, 20267.32%
Oct 15, 20267.40%
Oct 8, 20267.40%
Oct 1, 20267.28%
Sep 24, 20267.03%
Sep 17, 20266.95%
Sep 10, 20266.76%
Sep 3, 20266.71%

Source: Freddie Mac Primary Mortgage Market Survey via FRED (MORTGAGE30US), week of Oct 22, 2026.

10-year Treasury yield

Source: Board of Governors of the Federal Reserve System (H.15) via FRED (DGS10), as of Oct 22, 2026.

4.96%

+0.99 percentage points over 1Y

Range high
5.31%
Range low
3.97%
Oct 22, 2025Oct 22, 2026

Source: Board of Governors of the Federal Reserve System (H.15) via FRED (DGS10), as of Oct 22, 2026.

Last 8 readings

DateValue
Oct 22, 20264.96%
Oct 21, 20265.13%
Oct 20, 20265.12%
Oct 19, 20265.15%
Oct 16, 20265.09%
Oct 15, 20265.10%
Oct 14, 20265.19%
Oct 13, 20265.21%

Source: Board of Governors of the Federal Reserve System (H.15) via FRED (DGS10), as of Oct 22, 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$609,925
-0.8% MoM+1.8% YoY
2,853
-0.9% MoM-8.1% YoY
47 days
+0.0% MoM-7.8% YoY
Idaho Falls metro$450,000
-1.3% MoM-3.2% YoY
682
+5.9% MoM+0.9% YoY
52 days
+2.0% MoM-5.5% YoY
Pocatello metro$399,900
+0.0% MoM-3.4% YoY
382
+3.5% MoM+0.0% YoY
70 days
+14.8% MoM+0.0% YoY
Twin Falls metro$465,750
-1.9% MoM+6.1% YoY
497
-1.2% MoM-14.2% YoY
76 days
+5.6% MoM+15.2% YoY
Coeur d'Alene metro$759,000
-4.5% MoM-2.7% YoY
1,034
+0.4% MoM-1.6% YoY
56 days
+9.8% MoM-13.8% YoY
Lewiston metro$429,950
+1.2% MoM-3.2% YoY
221
-3.9% MoM-19.0% YoY
58 days
+1.8% MoM-18.3% YoY

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

Source: Realtor.com Residential Data via FRED, September 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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