Idaho Cash-Out Refinance Rates Today

See current cash-out refinance rates in ID, estimate how much cash you could take out of your home, and compare a cash-out refinance with a HELOC or home equity loan.

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Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.625%	7.474%	1.999	$2,280
VA 30-Year Fixed	6.500%	6.937%	2.141	$2,239
Conventional 15-Year Fixed	6.490%	6.973%	1.961	$3,046
Conventional 30-Year Fixed	7.000%	7.290%	1.801	$2,328
Jumbo 30-Year Fixed	6.875%	7.119%	2.250	$6,240

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	6.875%	7.759%	2.018	$2,339
VA 30-Year Refinance	6.875%	7.228%	2.305	$2,310
Conventional 15-Year Refinance	6.490%	7.076%	2.381	$3,046
Conventional 30-Year Refinance	7.125%	7.476%	2.152	$2,358
Jumbo 30-Year Refinance	6.875%	7.131%	2.300	$6,240

Loan Type	Rate	APR	Est. Monthly Payment
Fixed 20-Year HELOC	9.875%	9.875%	$956
Fixed 30-Year HELOC	10.250%	10.250%	$896

Loan Type	Rate	APR	Points	Est. Monthly Payment
Conventional 30-Year Cash-Out Refinance	7.375%	7.768%	2.343	$2,072

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.474% APR and $2,280 monthly payment at 70% loan-to-value (LTV) and 1.999 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.937% APR and $2,239 monthly payment at 70% loan-to-value (LTV) and 2.141 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.973% APR and $3,046 monthly payment at 70% loan-to-value (LTV) and 1.961 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.290% APR and $2,328 monthly payment at 70% loan-to-value (LTV) and 1.801 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.119% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.759% APR and $2,339 monthly payment at 70% loan-to-value (LTV) and 2.018 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.228% APR and $2,310 monthly payment at 70% loan-to-value (LTV) and 2.305 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.076% APR and $3,046 monthly payment at 70% loan-to-value (LTV) and 2.381 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.476% APR and $2,358 monthly payment at 70% loan-to-value (LTV) and 2.152 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.131% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.300 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.875% APR and $956 monthly payment at 20% loan-to-value (LTV) and 0.024 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 10.250% APR and $896 monthly payment at 20% loan-to-value (LTV) and 0.160 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.

Conventional 30-Year Cash-Out Refinance: Interest rate offered based on $300,000 loan amount with 7.768% APR and $2,072 monthly payment at 70% loan-to-value (LTV) and 2.343 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 3, 2026.

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Rates as of November 3, 2026 · Typical Idaho home price: $445,800 · Avg Idaho property tax: 0.51% · Avg annual home insurance: $1,960

Cash-out refinances in Idaho: Lower’s 30-year fixed cash-out rate today is 7.375% (7.768% APR) with 2.343 discount points, quoted at 70% of your home’s value. On a typical Idaho home worth $445,800, that’s a new loan of about $312,060. These figures use a typical Idaho home price: the average of the median prices in its largest cities (details at the bottom of the page). What you could borrow and pay depends on your own home’s value, what you owe and your credit.

How much equity have Idaho homeowners gained?

+3.6%Idaho home prices, past year

+24.6%Idaho home prices, past 5 years

$88,100Est. equity from price growth over 5 years on a $445,800 home

Idaho home prices rose 24.6% over the five years through the second quarter of 2026 and rose 3.6% over the past year, according to the Federal Housing Finance Agency’s House Price Index. That ranks Idaho 17th among the 50 states and Washington, DC for price growth over the past year. If a home worth Idaho’s typical home price of $445,800 kept pace with the index, it was worth about $357,700 five years ago. That’s about $88,100 in equity from price growth alone, before counting any mortgage payments.

A cash-out refinance is based on your home’s current appraised value, so price growth can increase how much cash you may be able to take out. It’s a statewide index, so prices in your area, and your home’s value, may have changed more or less.

How much cash could you take out in Idaho?

A cash-out refinance replaces your mortgage with a larger loan, and you get the difference in cash. Here’s how that works out on a typical Idaho home worth $445,800, depending on what you still owe.

Estimated cash before closing costs on a $445,800 home with a new loan at 70% of its value, by how much you still owe on your mortgage (shown as a share of the home’s value).

If you still owe	Cash with a new loan of $312,060 (70% of value)
20% of value ($89,000)	$223,060
30% of value ($134,000)	$178,060
40% of value ($178,000)	$134,060
50% of value ($223,000)	$89,060

With a new loan of $312,060 at 7.375% (7.768% APR), your estimated monthly housing cost would be about $2,507: $2,155 principal and interest, $189 property taxes and $163 homeowners insurance.

Try your own numbers

Home value What you owe

New loan at 70% of value: $312,060

Estimated cash before closing costs: $134,060

Estimated monthly principal and interest at 7.375% (7.768% APR): $2,155

Estimated property taxes and insurance (local Idaho estimates): $352

Estimated total monthly housing cost: $2,507

How we got these numbers: The home value is the typical Idaho home price (sources below). The new loan is 70% of that value, the loan-to-value Lower’s cash-out rate is quoted on. Monthly costs add local Idaho property taxes of about 0.51% of value a year and homeowners insurance of about $1,960 a year. Borrowing more, up to the 80% limit that generally applies to a one-unit primary home, may mean a higher rate. Each estimate is the new loan amount minus what you owe, before closing costs and any discount points. A “—” means the new loan wouldn’t cover what you owe. These are examples, not an offer: your actual amount depends on your appraisal, your credit, your debt-to-income ratio and the property. See how much you can cash out on a refinance.

Cash-out refinance estimates in Idaho’s largest cities

Home prices, property taxes and insurance vary from city to city across Idaho. Here’s a cash-out refinance at 70% of value on a median-priced home in Idaho’s 5 largest cities, using Movoto market trends data for September 2026.

Estimates for a median-priced home in each city, with a new loan at 70% of its value.

City	Median home price	New loan at 70%	Principal and interest	Taxes and insurance	Total per month
Boise	$559,900	$391,930	$2,706	$401	$3,107
Idaho Falls^†	$436,250	$305,375	$2,109	$348	$2,457
Pocatello^†	$389,000	$272,300	$1,880	$328	$2,208
Twin Falls^†	$415,000	$290,500	$2,006	$339	$2,345
Lewiston^†	$429,000	$300,300	$2,074	$345	$2,419

How we got these numbers: Median prices are from Movoto market trends data for September 2026. The new loan is 70% of the city’s median price, the loan-to-value Lower’s cash-out rate is quoted on. Principal and interest is at 7.375% (7.768% APR) over 30 years. Taxes and insurance use each city’s property tax rate and homeowners insurance estimate. † Uses the Idaho average where a city tax or insurance figure isn’t available. The cash you’d get is the new loan minus what you still owe, before closing costs.

Idaho cash-out refinance payment examples

Estimated monthly principal and interest on a 30-year fixed cash-out refinance at today’s Idaho rate of 7.375% (7.768% APR), by new loan amount.

Monthly principal and interest by new loan amount, at 7.375% (7.768% APR), rates as of November 3, 2026.

New loan amount	30-year fixed at 7.375% (7.768% APR)
$200,000	$1,381
$300,000	$2,072
$400,000	$2,762
$500,000	$3,453

Payments don’t include property taxes, insurance or mortgage insurance. The quoted rate assumes 2.343 discount points, or about $7,029 on a $300,000 loan, paid at closing. A cash-out refinance applies the new rate to your whole balance, not just the cash you take out, so compare it with your current rate. See whether a cash-out refinance is a good idea.

Cash-out refinance basics

A cash-out refinance replaces your current mortgage with a larger loan, and you get the difference in cash at closing. The new rate applies to your whole balance and closing costs apply, so if your current rate is lower than today’s, a HELOC or home equity loan may cost less.

Learn more: how a cash-out refinance works · HELOC vs. cash-out refinance · cash-out refinance vs. home equity loan · Idaho HELOC rates · cash-out refinance rates in every state.

Frequently Asked Questions

Can I get a cash-out refinance in Idaho?

Yes. Lower offers cash-out refinances in Idaho. How much cash you can take out depends on your home’s value, what you owe and your credit.

What are cash-out refinance rates in Idaho today?

Lower’s 30-year Idaho cash-out refinance rate as of November 3, 2026 is 7.375% (7.768% APR) with 2.343 discount points, based on a $300,000 loan at 70% of the home’s value. Your rate depends on your credit, how much of your home’s value you borrow and the property.

How much cash can I take out with a cash-out refinance in Idaho?

Conventional cash-out refinances on a one-unit primary home generally top out at 80% of the home’s value. For example, on a $445,800 home where you owe $178,000, a new loan at 70% of the value ($312,060) would leave about $134,060 before closing costs. Lower’s quoted rate assumes a loan at 70% of value; borrowing more may mean a higher rate. Your actual amount depends on your appraisal, credit and debt-to-income ratio.

Sources: home values from Movoto market trends data for September 2026; the typical Idaho home price of $445,800 is the average of the median sale prices in Idaho’s 5 largest cities, rounded to the nearest $100: Boise ($559,900), Idaho Falls ($436,250), Pocatello ($389,000), Twin Falls ($415,000) and Lewiston ($429,000). Largest cities are by Census Bureau population estimates among cities with enough Movoto sales data; where a state has too few, the busiest markets by homes sold fill in. Property tax estimates use local effective tax rates and homeowners insurance estimates are average annual premiums, averaged across those cities; your quote will vary. Home price growth: FHFA House Price Index (purchase-only, seasonally adjusted), the second quarter of 2026. Rates: Lower, as of November 3, 2026. Examples only; not an offer of credit. Lower, LLC, NMLS #1124061.

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