Sandpoint Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Sandpoint averaged
7.48%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.24% and
one month ago for the week of 2026-10-01, the
average rate was 7.48%.
Sandpoint's average rate one year ago was 6.17%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.16%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Sandpoint 30 Year Fixed Rate | 2026-11-05 | 7.48% |
| Sandpoint 30 Year Fixed Rate Refi | 2026-11-05 | 7.16% |
| Sandpoint 15 Year Fixed Rate | 2026-11-05 | 6.57% |
| Sandpoint 15 Year Fixed Rate Refi | 2026-11-05 | 6.47% |
| Sandpoint 30 Year FHA | 2026-11-05 | 6.63% |
| Sandpoint 30 Year FHA Refi | 2026-11-05 | 6.73% |
| Sandpoint 30 Year USDA | 2026-11-05 | 6.9% |
| Sandpoint 30 Year USDA Refi | 2026-11-05 | 7% |
| Sandpoint 30 Year VA | 2026-11-05 | 6.69% |
| Sandpoint 30 Year VA Refi | 2026-11-05 | 6.56% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Sandpoint, ID.
Sandpoint Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Sandpoint, ID market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Sandpoint Average Closing Costs & Other Stats
Sandpoint, ID's 113 lenders originated 1,602
loans during 2025. The total origination value was $625,270,000, with an average loan value of
$390,306.
Sandpoint's average closing costs are $7,416.
The top Sandpoint lender as defined by loan originations is Glacier Bank, with
49 loans originated. Their average total fees are
$12,905, which is $4,538
higher than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee Sandpoint lenders (with over 10 loans originated) are
Umpqua Bank ($4,714), IDAHO CENTRAL ($6,441), LOANDEPOT.COM, LLC ($7,212), U.S. Bank ($7,241) and GUARANTEED RATE, INC. ($7,245).
The lowest rate Sandpoint lenders (with over 10 loans originated) are
SPOKANE TEACHERS (6.28%), Willamette Valley Bank (6.48%), IDAHO CENTRAL (6.48%), U.S. Bank (6.54%) and Washington Trust Bank (6.57%).
Sandpoint, ID Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| Glacier Bank | $40,965,000 | $45,685,000 | 11.5% | 7.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $23,400,000 | $34,355,000 | 46.8% | 5.5% |
| IDAHO CENTRAL | $19,770,000 | $33,665,000 | 70.3% | 5.4% |
| CMG MORTGAGE, INC. | $13,020,000 | $33,040,000 | 153.8% | 5.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,180,000 | $31,750,000 | 43.1% | 5.1% |
| Washington Trust Bank | $26,845,000 | $27,910,000 | 4.0% | 4.5% |
| QUICKEN LOANS, LLC | $19,265,000 | $24,910,000 | 29.3% | 4.0% |
| U.S. Bank | $14,340,000 | $19,355,000 | 35.0% | 3.1% |
| Umpqua Bank | $13,935,000 | $16,145,000 | 15.9% | 2.6% |
| SPOKANE TEACHERS | $10,740,000 | $15,380,000 | 43.2% | 2.5% |
| Willamette Valley Bank | $18,265,000 | $12,990,000 | -28.9% | 2.1% |
| NUMERICA CREDIT UNION | $7,570,000 | $12,750,000 | 68.4% | 2.0% |
| GUARANTEED RATE, INC. | $10,910,000 | $12,175,000 | 11.6% | 1.9% |
| LOANDEPOT.COM, LLC | $7,755,000 | $11,070,000 | 42.7% | 1.8% |
| Potlatch No. 1 Financial Credit Union | $9,395,000 | $10,115,000 | 7.7% | 1.6% |
| GESA | $3,575,000 | $10,100,000 | 182.5% | 1.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $11,405,000 | $10,015,000 | -12.2% | 1.6% |
| Mortgage Research Center, LLC | $4,105,000 | $8,915,000 | 117.2% | 1.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,990,000 | $7,895,000 | 97.9% | 1.3% |
| Bank of America | $2,275,000 | $6,850,000 | 201.1% | 1.1% |
| Charles Schwab Bank, SSB | $705,000 | $6,820,000 | 867.4% | 1.1% |
| Century Mortgage Company DBA Century Lending Company | $3,450,000 | $6,570,000 | 90.4% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $3,695,000 | $6,495,000 | 75.8% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,555,000 | $6,360,000 | 39.6% | 1.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $4,480,000 | $6,190,000 | 38.2% | 1.0% |
| Goldman Sachs Bank USA | $5,390,000 | n/a | 0.9% | |
| Sunflower Bank | $950,000 | $5,380,000 | 466.3% | 0.9% |
| Alaska USA Federal Credit Union | $1,140,000 | $5,135,000 | 350.4% | 0.8% |
| Boeing Employees Credit Union | $4,335,000 | $4,895,000 | 12.9% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $3,010,000 | $4,895,000 | 62.6% | 0.8% |
| GUILD MORTGAGE COMPANY | $6,505,000 | $4,745,000 | -27.1% | 0.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,320,000 | $4,365,000 | 230.7% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $4,490,000 | $4,255,000 | -5.2% | 0.7% |
| FINANCE OF AMERICA REVERSE LLC | $1,050,000 | $4,050,000 | 285.7% | 0.6% |
| PLANET HOME LENDING, LLC | $5,195,000 | $3,905,000 | -24.8% | 0.6% |
| BROKER SOLUTIONS, INC. | $2,975,000 | $3,835,000 | 28.9% | 0.6% |
| NEWREZ LLC | $3,375,000 | $3,785,000 | 12.1% | 0.6% |
| Morgan Stanley Private Bank | $4,380,000 | $3,775,000 | -13.8% | 0.6% |
| First Interstate Bank | $2,240,000 | $3,680,000 | 64.3% | 0.6% |
| USAA Federal Savings Bank | $1,620,000 | $3,555,000 | 119.4% | 0.6% |
| Banner Bank | $2,275,000 | $3,465,000 | 52.3% | 0.6% |
| The Loan Store, Inc. | $1,235,000 | $3,395,000 | 174.9% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,360,000 | $3,195,000 | -4.9% | 0.5% |
| Stifel Bank and Trust | $2,230,000 | $3,165,000 | 41.9% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $865,000 | $3,130,000 | 261.8% | 0.5% |
| BNY Mellon | $2,980,000 | n/a | 0.5% | |
| UBS Bank USA | $2,655,000 | n/a | 0.4% | |
| Cornerstone First Mortgage, Inc | $2,645,000 | n/a | 0.4% | |
| CARDINAL FINANCIAL | $2,415,000 | $2,520,000 | 4.3% | 0.4% |
| Wells Fargo Bank | $2,420,000 | $2,490,000 | 2.9% | 0.4% |
| BMO Harris Bank | $6,990,000 | $2,460,000 | -64.8% | 0.4% |
| CORNERSTONE HOME LENDING, INC. | $550,000 | $2,240,000 | 307.3% | 0.4% |
| HORIZON | $4,520,000 | $2,215,000 | -51.0% | 0.4% |
| NFM, INC. | $2,170,000 | n/a | 0.3% | |
| PENTAGON FEDERAL CREDIT UNION | $525,000 | $2,165,000 | 312.4% | 0.3% |
| NATIONS DIRECT MORTGAGE, LLC | $1,460,000 | $2,095,000 | 43.5% | 0.3% |
| SUMMIT FUNDING, INC. | $1,895,000 | $2,045,000 | 7.9% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $490,000 | $2,005,000 | 309.2% | 0.3% |
| JPMorgan Chase Bank | $4,050,000 | $1,940,000 | -52.1% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,645,000 | $1,880,000 | -59.5% | 0.3% |
| 1st Security Bank of Washington | $1,605,000 | $1,770,000 | 10.3% | 0.3% |
| Flagstar Bank, FSB | $885,000 | $1,715,000 | 93.8% | 0.3% |
| AMERICAN INTERNET MORTGAGE, INC. | $1,620,000 | n/a | 0.3% | |
| SAMMAMISH MORTGAGE COMPANY | $2,595,000 | $1,620,000 | -37.6% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $425,000 | $1,570,000 | 269.4% | 0.3% |
| City National Bank | $1,535,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $1,520,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,375,000 | $1,510,000 | 9.8% | 0.2% |
| JMAC LENDING, INC. | $1,475,000 | n/a | 0.2% | |
| AMERITRUST MORTGAGE CORPORATION | $1,460,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $1,265,000 | $1,400,000 | 10.7% | 0.2% |
| A&D Mortgage LLC | $1,375,000 | n/a | 0.2% | |
| Raymond James Bank | $655,000 | $1,285,000 | 96.2% | 0.2% |
| Citibank | $6,890,000 | $1,235,000 | -82.1% | 0.2% |
| First Western Trust Bank | $1,205,000 | n/a | 0.2% | |
| SPRING EQ, LLC | $105,000 | $1,175,000 | 1,019.0% | 0.2% |
| Commerce Home Mortgage, Inc. | $455,000 | $1,160,000 | 154.9% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $770,000 | $1,150,000 | 49.4% | 0.2% |
| GEORGIA'S OWN | $465,000 | $1,140,000 | 145.2% | 0.2% |
| Bank of Utah | $1,125,000 | n/a | 0.2% | |
| Axos Bank | $1,105,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $1,505,000 | $1,065,000 | -29.2% | 0.2% |
| Granite Community Bank | $1,050,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $435,000 | $1,010,000 | 132.2% | 0.2% |
| University Bank | $980,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $2,765,000 | $965,000 | -65.1% | 0.2% |
| The Federal Savings Bank | $685,000 | $910,000 | 32.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $880,000 | n/a | 0.1% | |
| GOLDENWEST | $880,000 | n/a | 0.1% | |
| Florida Capital Bank | $875,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $805,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $4,085,000 | $800,000 | -80.4% | 0.1% |
| CANOPY MORTGAGE, LLC | $355,000 | $790,000 | 122.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $1,100,000 | $785,000 | -28.6% | 0.1% |
| 21ST MORTGAGE CORPORATION | $255,000 | $775,000 | 203.9% | 0.1% |
| Northpointe Bank | $1,450,000 | $770,000 | -46.9% | 0.1% |
| Firefighters First Federal Credit Union | $765,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $2,330,000 | $765,000 | -67.2% | 0.1% |
| V.I.P. MORTGAGE, INC. | $375,000 | $755,000 | 101.3% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $910,000 | $740,000 | -18.7% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $720,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $600,000 | $710,000 | 18.3% | 0.1% |
| First Federal Bank | $705,000 | n/a | 0.1% | |
| ARC HOME LLC | $695,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $680,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $205,000 | $645,000 | 214.6% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $75,000 | $610,000 | 713.3% | 0.1% |
| First Bank | $605,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $295,000 | $605,000 | 105.1% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $590,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $560,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $560,000 | n/a | 0.1% | |
| DIRECTORS MORTGAGE, INC. | $555,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $555,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $550,000 | n/a | 0.1% | |
| Performance Financial, Inc. | $515,000 | n/a | 0.1% | |
| Ameris Bank | $495,000 | n/a | 0.1% | |
| SUMMIT MORTGAGE CORPORATION | $245,000 | $485,000 | 98.0% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $475,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $445,000 | n/a | 0.1% | |
| Franklin Loan Corporation | $435,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $435,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $1,365,000 | $425,000 | -68.9% | 0.1% |
| OAKTREE FUNDING CORP. | $425,000 | n/a | 0.1% | |
| THRIVENT Federal Credit Union | $425,000 | n/a | 0.1% | |
| DIRECT MORTGAGE LOANS, LLC | $405,000 | n/a | 0.1% | |
| KeyBank | $325,000 | $405,000 | 24.6% | 0.1% |
| PNC Bank | $365,000 | $405,000 | 11.0% | 0.1% |
| First National Bank of America | $1,060,000 | $395,000 | -62.7% | 0.1% |
| The State Bank and Trust Company | $395,000 | n/a | 0.1% | |
| Figure Lending LLC | $1,060,000 | $385,000 | -63.7% | 0.1% |
| First Fidelity Bank | $385,000 | n/a | 0.1% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $370,000 | n/a | 0.1% | |
| Princeton Mortgage Corporation | $370,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $560,000 | $365,000 | -34.8% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,970,000 | $345,000 | -82.5% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $620,000 | $335,000 | -46.0% | 0.1% |
| SECURITY HOME MORTGAGE, LLC. | $325,000 | n/a | 0.1% | |
| HomeTrust Bank | $315,000 | n/a | 0.1% | |
| HIGHMARK | $305,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $305,000 | n/a | 0.0% | |
| CANOPY | $300,000 | n/a | 0.0% | |
| America's Credit Union | $295,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $285,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $275,000 | n/a | 0.0% | |
| S1L, Inc. | $610,000 | $255,000 | -58.2% | 0.0% |
| SPOKANE FIREFIGHTERS CREDIT UNION | $255,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $245,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $245,000 | n/a | 0.0% | |
| Armed Forces Bank | $235,000 | n/a | 0.0% | |
| Carrington Mortgage Services, LLC | $410,000 | $215,000 | -47.6% | 0.0% |
| D. L. Evans Bank | $205,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $505,000 | $205,000 | -59.4% | 0.0% |
| HomeStreet Bank | $205,000 | n/a | 0.0% | |
| Northwest Farm Credit Services, FLCA | $805,000 | $205,000 | -74.5% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $205,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $570,000 | $195,000 | -65.8% | 0.0% |
| HighTechLending Inc | $145,000 | $195,000 | 34.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $165,000 | n/a | 0.0% | |
| AMERICA FIRST | $75,000 | $155,000 | 106.7% | 0.0% |
| Golden Empire Mortgage, Inc. | $145,000 | n/a | 0.0% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $475,000 | $140,000 | -70.5% | 0.0% |
| Coastal Community Bank | $535,000 | $130,000 | -75.7% | 0.0% |
| FIRST TECHNOLOGY | $395,000 | $115,000 | -70.9% | 0.0% |
| LOANPAL, LLC | $105,000 | n/a | 0.0% | |
| Washington Federal Bank | $2,320,000 | $105,000 | -95.5% | 0.0% |
| Truist | $85,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $85,000 | n/a | 0.0% | |
| LOS ANGELES POLICE Federal Credit Union | $75,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $105,000 | $55,000 | -47.6% | 0.0% |
| NBKC BANK | $25,000 | n/a | 0.0% |
Sandpoint's top lender by overall market share is Glacier Bank, with 7.3% market share. In second place, with 5.5%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $34,355,000 in loans. In third place, with 5.4%, is IDAHO CENTRAL, having originated $33,665,000 in loans. In fourth place, with 5.3%, is CMG MORTGAGE, INC., having originated $33,040,000 in loans. In fifth place, with 5.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $31,750,000 in loans.
Sandpoint Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Sandpoint (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $359,250 (-2.6%) | $529,361 (-7.6%) | 0.00 | 361 |
| 2018-02-01 | $359,000 (2.6%) | $540,038 (-2.8%) | 0.00 | 370 |
| 2018-03-01 | $369,000 (-0.8%) | $572,152 (0.0%) | 0.00 | 402 |
| 2018-04-01 | $377,000 (3.4%) | $570,435 (0.2%) | 0.00 | 441 |
| 2018-05-01 | $379,000 (4.1%) | $574,695 (3.9%) | 0.00 | 514 |
| 2018-06-01 | $395,500 (7.7%) | $592,223 (7.4%) | 0.00 | 606 |
| 2018-07-01 | $398,000 (6.1%) | $596,670 (8.7%) | 0.00 | 641 |
| 2018-08-01 | $425,000 (9.3%) | $629,315 (11.1%) | 0.00 | 716 |
| 2018-09-01 | $399,900 (9.6%) | $652,878 (15.0%) | 0.00 | 613 |
| 2018-10-01 | $398,250 (8.7%) | $640,339 (14.5%) | 0.00 | 564 |
| 2018-11-01 | $397,725 (7.8%) | $639,994 (16.1%) | 0.00 | 490 |
| 2018-12-01 | $399,000 (8.1%) | $683,261 (27.8%) | 0.00 | 429 |
| 2019-01-01 | $404,500 (12.6%) | $791,479 (49.5%) | 0.00 | 342 |
| 2019-02-01 | $436,150 (21.5%) | $865,671 (60.3%) | 0.00 | 306 |
| 2019-03-01 | $449,386 (21.8%) | $859,009 (50.1%) | 0.00 | 317 |
| 2019-04-01 | $449,950 (19.4%) | $810,138 (42.0%) | 0.00 | 349 |
| 2019-05-01 | $453,675 (19.7%) | $786,170 (36.8%) | 0.00 | 404 |
| 2019-06-01 | $449,900 (13.8%) | $762,387 (28.7%) | 0.00 | 481 |
| 2019-07-01 | $450,000 (13.1%) | $739,031 (23.9%) | 0.00 | 555 |
| 2019-08-01 | $466,018 (9.7%) | $758,561 (20.5%) | 0.00 | 526 |
| 2019-09-01 | $467,695 (17.0%) | $777,293 (19.1%) | 0.00 | 467 |
| 2019-10-01 | $469,415 (17.9%) | $802,431 (25.3%) | 0.00 | 412 |
| 2019-11-01 | $479,000 (20.4%) | $835,019 (30.5%) | 0.00 | 361 |
| 2019-12-01 | $527,450 (32.2%) | $899,823 (31.7%) | 0.00 | 337 |
| 2020-01-01 | $548,000 (35.5%) | $919,337 (16.2%) | 0.00 | 282 |
| 2020-02-01 | $529,000 (21.3%) | $928,983 (7.3%) | 0.00 | 274 |
| 2020-03-01 | $546,475 (21.6%) | $961,167 (11.9%) | 0.00 | 271 |
| 2020-04-01 | $524,500 (16.6%) | $917,371 (13.2%) | 0.00 | 306 |
| 2020-05-01 | $529,500 (16.7%) | $905,981 (15.2%) | 0.00 | 326 |
| 2020-06-01 | $554,500 (23.3%) | $906,796 (18.9%) | 0.00 | 352 |
| 2020-07-01 | $576,311 (28.1%) | $965,398 (30.6%) | 0.00 | 342 |
| 2020-08-01 | $597,000 (28.1%) | $1,045,947 (37.9%) | 0.00 | 300 |
| 2020-09-01 | $594,500 (27.1%) | $1,069,877 (37.6%) | 0.00 | 234 |
| 2020-10-01 | $634,000 (35.1%) | $1,155,678 (44.0%) | 0.00 | 197 |
| 2020-11-01 | $684,225 (42.8%) | $1,411,443 (69.0%) | 0.00 | 149 |
| 2020-12-01 | $779,500 (47.8%) | $1,611,353 (79.1%) | 0.00 | 120 |
| 2021-01-01 | $800,000 (46.0%) | $1,760,890 (91.5%) | 0.00 | 88 |
| 2021-02-01 | $789,450 (49.2%) | $1,840,501 (98.1%) | 0.00 | 79 |
| 2021-03-01 | $699,225 (28.0%) | $1,799,719 (87.2%) | 0.00 | 77 |
| 2021-04-01 | $696,225 (32.7%) | $1,734,015 (89.0%) | 0.00 | 93 |
| 2021-05-01 | $726,000 (37.1%) | $1,529,108 (68.8%) | 0.00 | 134 |
| 2021-06-01 | $764,925 (38.0%) | $1,279,522 (41.1%) | 0.00 | 190 |
| 2021-07-01 | $707,500 (22.8%) | $1,114,574 (15.5%) | 0.00 | 277 |
| 2021-08-01 | $750,000 (25.6%) | $1,115,062 (6.6%) | 0.00 | 284 |
| 2021-09-01 | $749,675 (26.1%) | $1,178,106 (10.1%) | 0.00 | 287 |
| 2021-10-01 | $748,500 (18.1%) | $1,291,544 (11.8%) | 0.00 | 232 |
| 2021-11-01 | $739,700 (8.1%) | $1,265,178 (-10.4%) | 0.00 | 167 |
| 2021-12-01 | $742,000 (-4.8%) | $1,321,001 (-18.0%) | 0.00 | 134 |
| 2022-01-01 | $799,000 (-0.1%) | $1,365,300 (-22.5%) | 0.00 | 84 |
| 2022-02-01 | $891,950 (13.0%) | $1,324,890 (-28.0%) | 0.00 | 89 |
| 2022-03-01 | $964,250 (37.9%) | $1,341,405 (-25.5%) | 0.00 | 106 |
| 2022-04-01 | $875,000 (25.7%) | $1,239,809 (-28.5%) | 0.00 | 143 |
| 2022-05-01 | $838,850 (15.5%) | $1,243,287 (-18.7%) | 0.00 | 243 |
| 2022-06-01 | $828,500 (8.3%) | $1,215,597 (-5.0%) | 0.00 | 371 |
| 2022-07-01 | $799,850 (13.1%) | $1,243,428 (11.6%) | 0.00 | 466 |
| 2022-08-01 | $825,000 (10.0%) | $1,242,856 (11.5%) | 0.00 | 499 |
| 2022-09-01 | $812,250 (8.4%) | $1,252,732 (6.3%) | 0.00 | 472 |
| 2022-10-01 | $799,000 (6.8%) | $1,218,853 (-5.6%) | 0.00 | 439 |
| 2022-11-01 | $799,000 (8.0%) | $1,187,414 (-6.2%) | 0.00 | 367 |
| 2022-12-01 | $799,500 (7.8%) | $1,204,015 (-8.9%) | 0.00 | 325 |
| 2023-01-01 | $838,475 (4.9%) | $1,231,679 (-9.8%) | 0.00 | 269 |
| 2023-02-01 | $849,000 (-4.8%) | $1,254,051 (-5.4%) | 0.00 | 264 |
| 2023-03-01 | $849,700 (-11.9%) | $1,280,440 (-4.5%) | 0.00 | 258 |
| 2023-04-01 | $864,900 (-1.2%) | $1,296,628 (4.6%) | 0.00 | 256 |
| 2023-05-01 | $797,000 (-5.0%) | $1,208,488 (-2.8%) | 0.00 | 343 |
| 2023-06-01 | $796,250 (-3.9%) | $1,222,987 (0.6%) | 0.00 | 450 |
| 2023-07-01 | $777,450 (-2.8%) | $1,207,759 (-2.9%) | 0.00 | 513 |
| 2023-08-01 | $770,500 (-6.6%) | $1,197,436 (-3.7%) | 0.00 | 528 |
| 2023-09-01 | $775,000 (-4.6%) | $1,200,297 (-4.2%) | 0.00 | 491 |
| 2023-10-01 | $788,500 (-1.3%) | $1,223,434 (0.4%) | 0.00 | 446 |
| 2023-11-01 | $795,000 (-0.5%) | $1,276,253 (7.5%) | 0.00 | 369 |
| 2023-12-01 | $829,000 (3.7%) | $1,252,457 (4.0%) | 0.00 | 328 |
| 2024-01-01 | $832,000 (-0.8%) | $1,256,532 (2.0%) | 0.00 | 308 |
| 2024-02-01 | $799,450 (-5.8%) | $1,251,434 (-0.2%) | 0.00 | 269 |
| 2024-03-01 | $822,500 (-3.2%) | $1,307,439 (2.1%) | 0.00 | 294 |
| 2024-04-01 | $805,750 (-6.8%) | $1,242,803 (-4.2%) | 0.00 | 356 |
| 2024-05-01 | $799,000 (0.3%) | $1,249,176 (3.4%) | 0.00 | 426 |
| 2024-06-01 | $775,000 (-2.7%) | $1,227,003 (0.3%) | 0.00 | 498 |
| 2024-07-01 | $766,000 (-1.5%) | $1,211,027 (0.3%) | 0.00 | 558 |
| 2024-08-01 | $784,000 (1.8%) | $1,243,564 (3.9%) | 0.00 | 569 |
| 2024-09-01 | $791,250 (2.1%) | $1,284,514 (7.0%) | 0.00 | 560 |
| 2024-10-01 | $796,725 (1.0%) | $1,293,569 (5.7%) | 0.00 | 499 |
| 2024-11-01 | $822,500 (3.5%) | $1,299,680 (1.8%) | 0.00 | 443 |
| 2024-12-01 | $822,475 (-0.8%) | $1,258,346 (0.5%) | 0.00 | 384 |
| 2025-01-01 | $820,000 (-1.4%) | $1,252,304 (-0.3%) | 0.00 | 363 |
| 2025-02-01 | $835,875 (4.6%) | $1,255,301 (0.3%) | 0.00 | 314 |
| 2025-03-01 | $849,000 (3.2%) | $1,274,449 (-2.5%) | 0.00 | 333 |
| 2025-04-01 | $849,250 (5.4%) | $1,283,308 (3.3%) | 0.00 | 387 |
| 2025-05-01 | $839,500 (5.1%) | $1,243,839 (-0.4%) | 0.00 | 497 |
| 2025-06-01 | $858,000 (10.7%) | $1,263,321 (3.0%) | 0.00 | 584 |
| 2025-07-01 | $850,975 (11.1%) | $1,251,449 (3.3%) | 0.00 | 641 |
| 2025-08-01 | $825,500 (5.3%) | $1,211,278 (-2.6%) | 0.00 | 634 |
| 2025-09-01 | $819,225 (3.5%) | $1,221,166 (-4.9%) | 0.00 | 592 |
| 2025-10-01 | $826,200 (3.7%) | $1,246,986 (-3.6%) | 0.00 | 533 |
| 2025-11-01 | $825,000 (0.3%) | $1,260,475 (-3.0%) | 0.00 | 473 |
| 2025-12-01 | $823,900 (0.2%) | $1,249,192 (-0.7%) | 0.00 | 420 |
| 2026-01-01 | $828,800 (1.1%) | $1,267,685 (1.2%) | 0.00 | 403 |
| 2026-02-01 | $799,225 (-4.4%) | $1,262,538 (0.6%) | 0.00 | 354 |
| 2026-03-01 | $897,000 (5.7%) | $1,339,880 (5.1%) | 0.00 | 377 |
| 2026-04-01 | $883,575 (4.0%) | $1,260,950 (-1.7%) | 0.00 | 427 |
| 2026-05-01 | $885,900 (5.5%) | $1,263,763 (1.6%) | 0.00 | 529 |
| 2026-06-01 | $853,951 (-0.5%) | $1,265,083 (0.1%) | 0.00 | 584 |
| 2026-07-01 | $862,250 (1.3%) | $1,328,404 (6.2%) | 0.00 | 601 |
| 2026-08-01 | $849,000 (2.9%) | $1,360,850 (12.4%) | 0.00 | 581 |
| 2026-09-01 | $827,800 (1.1%) | $1,378,925 (12.9%) | 0.00 | 580 |
| 2026-10-01 | $799,000 (-3.3%) | $1,379,602 (10.6%) | 0.00 | 524 |
Sandpoint's median listing price for 2026-10-01 was $799,000, a difference of
$-27,200
(-3.3%) versus the prior year and
$-28,800 versus the prior month.
Sandpoint's median listing price comes in at 0% of the national average.
Sandpoint's average listing price for 2026-10-01 was $1,379,602, a difference of $132,616 (10.6%) versus the prior year and $677 versus the prior month.
For the 2026-10-01 period, Sandpoint had 524 MLS listings, a difference of -56 listings (-10%) versus the prior month and -9 listings (-2%) versus the prior year.
Sandpoint's median listing price comes in at 0% of the national average.
Sandpoint's average listing price for 2026-10-01 was $1,379,602, a difference of $132,616 (10.6%) versus the prior year and $677 versus the prior month.
For the 2026-10-01 period, Sandpoint had 524 MLS listings, a difference of -56 listings (-10%) versus the prior month and -9 listings (-2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sandpoint (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,868 sqft |
| 2018-02-01 | 0 days | 1,854 sqft |
| 2018-03-01 | 0 days | 1,876 sqft |
| 2018-04-01 | 0 days | 1,884 sqft |
| 2018-05-01 | 0 days | 1,886 sqft |
| 2018-06-01 | 0 days | 1,914 sqft |
| 2018-07-01 | 0 days | 1,928 sqft |
| 2018-08-01 | 0 days | 1,959 sqft |
| 2018-09-01 | 0 days | 2,059 sqft |
| 2018-10-01 | 0 days | 2,023 sqft |
| 2018-11-01 | 0 days | 2,033 sqft |
| 2018-12-01 | 0 days | 2,056 sqft |
| 2019-01-01 | 0 days | 2,033 sqft |
| 2019-02-01 | 0 days | 2,076 sqft |
| 2019-03-01 | 0 days | 2,069 sqft |
| 2019-04-01 | 0 days | 2,018 sqft |
| 2019-05-01 | 0 days | 2,080 sqft |
| 2019-06-01 | 0 days | 2,050 sqft |
| 2019-07-01 | 0 days | 1,988 sqft |
| 2019-08-01 | 0 days | 2,041 sqft |
| 2019-09-01 | 0 days | 2,122 sqft |
| 2019-10-01 | 0 days | 2,211 sqft |
| 2019-11-01 | 0 days | 2,112 sqft |
| 2019-12-01 | 0 days | 1,964 sqft |
| 2020-01-01 | 0 days | 1,899 sqft |
| 2020-02-01 | 0 days | 1,897 sqft |
| 2020-03-01 | 0 days | 1,990 sqft |
| 2020-04-01 | 0 days | 1,965 sqft |
| 2020-05-01 | 0 days | 2,025 sqft |
| 2020-06-01 | 0 days | 2,065 sqft |
| 2020-07-01 | 0 days | 2,140 sqft |
| 2020-08-01 | 0 days | 2,100 sqft |
| 2020-09-01 | 0 days | 2,075 sqft |
| 2020-10-01 | 0 days | 2,216 sqft |
| 2020-11-01 | 0 days | 2,325 sqft |
| 2020-12-01 | 0 days | 2,339 sqft |
| 2021-01-01 | 0 days | 2,240 sqft |
| 2021-02-01 | 0 days | 2,244 sqft |
| 2021-03-01 | 0 days | 2,180 sqft |
| 2021-04-01 | 0 days | 2,109 sqft |
| 2021-05-01 | 0 days | 2,139 sqft |
| 2021-06-01 | 0 days | 2,009 sqft |
| 2021-07-01 | 0 days | 2,010 sqft |
| 2021-08-01 | 0 days | 2,018 sqft |
| 2021-09-01 | 0 days | 2,032 sqft |
| 2021-10-01 | 0 days | 2,001 sqft |
| 2021-11-01 | 0 days | 1,936 sqft |
| 2021-12-01 | 0 days | 1,966 sqft |
| 2022-01-01 | 0 days | 1,990 sqft |
| 2022-02-01 | 0 days | 1,967 sqft |
| 2022-03-01 | 0 days | 2,054 sqft |
| 2022-04-01 | 0 days | 1,975 sqft |
| 2022-05-01 | 0 days | 1,917 sqft |
| 2022-06-01 | 0 days | 1,874 sqft |
| 2022-07-01 | 0 days | 1,902 sqft |
| 2022-08-01 | 0 days | 1,952 sqft |
| 2022-09-01 | 0 days | 2,000 sqft |
| 2022-10-01 | 0 days | 2,024 sqft |
| 2022-11-01 | 0 days | 1,969 sqft |
| 2022-12-01 | 0 days | 1,866 sqft |
| 2023-01-01 | 0 days | 1,856 sqft |
| 2023-02-01 | 0 days | 1,888 sqft |
| 2023-03-01 | 0 days | 1,900 sqft |
| 2023-04-01 | 0 days | 2,000 sqft |
| 2023-05-01 | 0 days | 1,999 sqft |
| 2023-06-01 | 0 days | 2,012 sqft |
| 2023-07-01 | 0 days | 1,938 sqft |
| 2023-08-01 | 0 days | 1,915 sqft |
| 2023-09-01 | 0 days | 1,936 sqft |
| 2023-10-01 | 0 days | 2,016 sqft |
| 2023-11-01 | 0 days | 2,022 sqft |
| 2023-12-01 | 0 days | 2,016 sqft |
| 2024-01-01 | 0 days | 2,006 sqft |
| 2024-02-01 | 0 days | 1,900 sqft |
| 2024-03-01 | 0 days | 1,915 sqft |
| 2024-04-01 | 0 days | 1,896 sqft |
| 2024-05-01 | 0 days | 1,890 sqft |
| 2024-06-01 | 0 days | 1,844 sqft |
| 2024-07-01 | 0 days | 1,860 sqft |
| 2024-08-01 | 0 days | 1,896 sqft |
| 2024-09-01 | 0 days | 1,914 sqft |
| 2024-10-01 | 0 days | 1,915 sqft |
| 2024-11-01 | 0 days | 1,869 sqft |
| 2024-12-01 | 0 days | 1,874 sqft |
| 2025-01-01 | 0 days | 1,874 sqft |
| 2025-02-01 | 0 days | 1,919 sqft |
| 2025-03-01 | 0 days | 2,050 sqft |
| 2025-04-01 | 0 days | 2,059 sqft |
| 2025-05-01 | 0 days | 2,052 sqft |
| 2025-06-01 | 0 days | 2,055 sqft |
| 2025-07-01 | 0 days | 2,065 sqft |
| 2025-08-01 | 0 days | 2,056 sqft |
| 2025-09-01 | 0 days | 2,052 sqft |
| 2025-10-01 | 0 days | 2,054 sqft |
| 2025-11-01 | 0 days | 2,050 sqft |
| 2025-12-01 | 0 days | 2,015 sqft |
| 2026-01-01 | 0 days | 1,980 sqft |
| 2026-02-01 | 0 days | 1,969 sqft |
| 2026-03-01 | 0 days | 2,018 sqft |
| 2026-04-01 | 0 days | 2,014 sqft |
| 2026-05-01 | 0 days | 2,050 sqft |
| 2026-06-01 | 0 days | 2,036 sqft |
| 2026-07-01 | 0 days | 2,049 sqft |
| 2026-08-01 | 0 days | 2,050 sqft |
| 2026-09-01 | 0 days | 2,020 sqft |
| 2026-10-01 | 0 days | 2,001 sqft |
Sandpoint's median listing age (time on market) for 2026-10-01 was 0 days.
Sandpoint's median square footage for active listings during the 2026-10-01 period was 2,001 sqft. One year prior, the average listing was 2,054 sqft.
Sandpoint's median square footage for active listings during the 2026-10-01 period was 2,001 sqft. One year prior, the average listing was 2,054 sqft.
Sandpoint, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 660 | $332,560,000 | $503,879 |
| Cash Out Refi | 326 | $107,740,000 | $330,491 |
| Refi | 227 | $99,975,000 | $440,419 |
| Other | 194 | $46,210,000 | $238,196 |
| Home Improvement | 191 | $35,455,000 | $185,628 |
| NA | 4 | $3,330,000 | $832,500 |
Sandpoint's most frequently cited loan purpose was Home Purchase, with 660 originations. The 2nd most popular reason was Cash Out Refi, with 326 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 603 | $275,775,000 | $457,338 |
| 7-8% | 400 | $141,220,000 | $353,050 |
| 5-6% | 290 | $142,570,000 | $491,621 |
| Over 8% | 234 | $44,150,000 | $188,675 |
| 2.5-3% | 12 | $720,000 | $60,000 |
| 4-5% | 8 | $7,460,000 | $932,500 |
| <2.5% | 4 | $480,000 | $120,000 |
| 3-4% | 3 | $1,105,000 | $368,333 |
During 2025, Sandpoint's most frequently originated rate bucket was 6-7%, with 603 originations.
Loan Sizing (Sandpoint, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 488 | $146,780,000 | $300,779 |
| $400k-600k | 358 | $171,130,000 | $478,017 |
| $100,000 or less | 244 | $13,550,000 | $55,533 |
| $100k-200k | 244 | $33,780,000 | $138,443 |
| $600k-1000k | 191 | $141,665,000 | $741,702 |
| $Over $1MM | 77 | $118,365,000 | $1,537,208 |
Sandpoint's loan sizing saw the bucket of loans from $200k-400k with 488 originations, totaling $146,780,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 343 | $33,855,000 | $98,703 |
| 60-80% | 337 | $203,085,000 | $602,626 |
| 80-100% | 305 | $168,965,000 | $553,984 |
| 20-40% | 288 | $80,710,000 | $280,243 |
| 40-60% | 232 | $101,360,000 | $436,897 |
| Over 100% | 23 | $13,455,000 | $585,000 |
Sandpoint's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 343 originations, totaling $33,855,000 in origination value.