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Recent forecasts for the Boise, Idaho housing market in 2026 suggest the market could continue to be subdued, after recent record-setting price growth.
This would be a welcome trend for home buyers who are planning to make a purchase over the coming months. Among other things, buyers could enjoy more negotiating leverage in 2026.
Here are three predictions for the Boise housing market in 2026.
Slower price growth, more homes to choose from, and less competition among buyers. Those are some of the current predictions for the Boise, Idaho housing market in 2026, based on where we are right now. So let’s take them one at a time.
According to Zillow, the median home value in the Boise area was around $485,649 as of January 2026. That marks a year-over-year increase of 0.9%, which is a relatively slow pace of increase.
In 2026, some forecasts suggest that the Boise real estate scene could continue on a “normal” and sustainable rate of price growth. We can’t say for sure what house prices will do next year. But with the way things are going now, it seems reasonable to expect a more normal rate of home-price growth over the coming years.
Pro Tip: Make sure you understand what the conforming loan limits and FHA loan limits are in Boise for 2026 before taking out a mortgage. That’s because they directly affect what loans you can use, how much you can borrow, and how much cash you’ll need.
Another key prediction for the Boise, Idaho real estate market relates to inventory growth. In 2026, home buyers in the area could have many more homes to choose from when compared to previous years. This could shift the local market dynamic in favor of buyers (for a change).
Boise metro inventory rose notably in late 2025 to roughly a 2.4-month supply. That’s still below what’s traditionally considered a balanced market (about 5–6 months of supply).
Days on market varied, but were generally ~41 days overall (faster in resale segments), indicating homes still sell relatively quickly even as inventory expands.
Price reductions increased as inventory grew, signaling softening seller leverage.
These indicators suggest inventory in Boise warmed up in 2025 compared to previous years, though it’s not yet a deep surplus market. This trend is expected to continue into 2026.
According to the latest data, Boise-area homes listed for sale last month spent a median of 41 days on the market, as mentioned. That was lower than the same time a year earlier.
Which brings us to a final prediction for the Boise, Idaho real estate scene. In 2026, we could see an overall increased pace of sales, with homes taking shorter to sell.
It stands to reason. Today’s higher home prices have remained stagnant while mortgage rates have increased. That said, rates are on the decline. Inventory growth, meanwhile, has given buyers more options while easing competition.
Disclaimer: This article includes forecasts for the Boise housing market stretching into 2026. Those predictions are based on current trends and therefore far from certain. No one can predict future housing trends with complete accuracy.
Do you have questions about mortgages in Boise, ID? If so, Sammamish Mortgage can help. We are a local mortgage company from Bellevue, Washington, serving the entire state, as well as Oregon, Idaho, Colorado & California. You can get pre-approved for one of our many loan programs to give you an added advantage in this competitive market. Our programs include the Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. Please contact our staff if you have mortgage-related questions, or, visit our website to get an instant rate quote.
Whether you’re buying a home or ready to refinance, our professionals can help.
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