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The Idaho housing market is settling into a more balanced phase after several years of rapid growth. Home prices have largely stabilized across much of the state, with modest appreciation replacing the sharp increases seen earlier in the decade. Inventory has improved, giving buyers more choice and slightly more negotiating power, while sellers are adjusting to longer days on market.
Looking ahead to 2026, most forecasts point to slow, steady price growth or near-flat appreciation, supported by continued in-migration, solid employment, and easing mortgage rates. Overall, Idaho’s market is expected to remain stable, competitive, and healthier than during the peak boom years.
According to Zillow, home sale prices increased in 2026 by 0.9%. It now sits at $462,838.
According to the Boise Area Realtors, home inventory is tight in Boise. Right now, there is a 2.4 to 3.1 month supply of homes in the city and surrounding areas.
Ada County has a low 3-month supply of available homes for sale.
Year-over-year, the number of home sales decreased 5.3% from November 2024 to November 2025.
The median sales price for a typical house in Idaho as of January 2026 is $462,838.
Both Ada and Canyon Counties have seen increases in home prices over the past year. Ada County’s median home sales price increased 0.9% over the past year. Conversely, in Canyon County, prices decreased 0.7%.
Current rates in Idaho are 6.15% for a 30-year fixed, and 5.44% for a 15-year fixed. and 6.75% for a 5/1 adjustable-rate mortgage (ARM), according to Zillow.
Sales activity is expected to remain steady or increase modestly in 2026 as mortgage rates stabilize and buyers adjust to current affordability conditions. Experts anticipate continued demand due to population growth and job market strength, especially in Boise and surrounding areas.
In Boise, listings go pending in about 41 days after being put on the market, up 9 days year-over-year.
The average home sells for 1% below the listing price in the city of Boise.
If you’re curious about mortgages in Idaho, Sammamish Mortgage can help. We are a local mortgage company based out of Bellevue, Washington that serves the entire state, as well as Oregon, Idaho, California, and Colorado since 1992. Our mortgage professionals can work with you to help you decide which one of our mortgage programs is right for you. Contact us today with any questions, get pre-approved, 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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