Sandpoint Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sandpoint averaged
6.59%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
7% and
one month ago for the week of 2025-02-27, the
average rate was 7.11%.
Sandpoint's average rate one year ago was 6.94%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.04%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Sandpoint 30 Year Fixed Rate | 2025-04-03 | 6.59% |
| Sandpoint 30 Year Fixed Rate Refi | 2025-04-03 | 7.04% |
| Sandpoint 15 Year Fixed Rate | 2025-04-03 | 6.02% |
| Sandpoint 15 Year Fixed Rate Refi | 2025-04-03 | 6.22% |
| Sandpoint 30 Year FHA | 2025-04-03 | 6.16% |
| Sandpoint 30 Year FHA Refi | 2025-04-03 | 6.16% |
| Sandpoint 30 Year USDA | 2025-04-03 | 6.22% |
| Sandpoint 30 Year USDA Refi | 2025-04-03 | 6.12% |
| Sandpoint 30 Year VA | 2025-04-03 | 5.96% |
| Sandpoint 30 Year VA Refi | 2025-04-03 | 6.26% |
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 101 lenders originated 1,271
loans during 2024. The total origination value was $477,075,000, with an average loan value of
$375,354.
Sandpoint's average closing costs are $7,140.
The top Sandpoint lender as defined by loan originations is Glacier Bank, with
52 loans originated. Their average total fees are
$11,687, which is $1,605
higher than the next largest lender,
Willamette Valley Bank.
The lowest fee Sandpoint lenders (with over 10 loans originated) are
IDAHO CENTRAL ($6,451), Umpqua Bank ($6,764), HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($8,531), UNITED WHOLESALE MORTGAGE, LLC ($8,952) and U.S. Bank ($9,229).
The lowest rate Sandpoint lenders (with over 10 loans originated) are
IDAHO CENTRAL (6.43%), QUICKEN LOANS, LLC (6.56%), GUARANTEED RATE, INC. (6.61%), UNITED WHOLESALE MORTGAGE, LLC (6.61%) and Willamette Valley Bank (6.65%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Glacier Bank | $53,160,000 | $40,965,000 | -22.9% | 8.6% |
| Washington Trust Bank | $13,865,000 | $26,845,000 | 93.6% | 5.6% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $23,335,000 | $23,400,000 | 0.3% | 4.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,230,000 | $22,180,000 | 67.6% | 4.6% |
| IDAHO CENTRAL | $19,775,000 | $19,770,000 | 0.0% | 4.1% |
| QUICKEN LOANS, LLC | $15,430,000 | $19,265,000 | 24.9% | 4.0% |
| Willamette Valley Bank | $20,535,000 | $18,265,000 | -11.1% | 3.8% |
| U.S. Bank | $13,885,000 | $14,340,000 | 3.3% | 3.0% |
| Umpqua Bank | $7,930,000 | $13,935,000 | 75.7% | 2.9% |
| CMG MORTGAGE, INC. | $4,485,000 | $13,020,000 | 190.3% | 2.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $5,210,000 | $11,405,000 | 118.9% | 2.4% |
| GUARANTEED RATE, INC. | $7,080,000 | $10,910,000 | 54.1% | 2.3% |
| SPOKANE TEACHERS | $11,665,000 | $10,740,000 | -7.9% | 2.3% |
| Potlatch No. 1 Financial Credit Union | $7,965,000 | $9,395,000 | 18.0% | 2.0% |
| LOANDEPOT.COM, LLC | $5,880,000 | $7,755,000 | 31.9% | 1.6% |
| NUMERICA CREDIT UNION | $7,710,000 | $7,570,000 | -1.8% | 1.6% |
| BMO Harris Bank | $6,200,000 | $6,990,000 | 12.7% | 1.5% |
| Citibank | $3,835,000 | $6,890,000 | 79.7% | 1.4% |
| GUILD MORTGAGE COMPANY | $1,550,000 | $6,505,000 | 319.7% | 1.4% |
| PLANET HOME LENDING, LLC | $2,290,000 | $5,195,000 | 126.9% | 1.1% |
| Zions Bank | $620,000 | $4,855,000 | 683.1% | 1.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,595,000 | $4,645,000 | 191.2% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,005,000 | $4,555,000 | 127.2% | 1.0% |
| HORIZON | $2,985,000 | $4,520,000 | 51.4% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $5,005,000 | $4,490,000 | -10.3% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,775,000 | $4,480,000 | 61.4% | 0.9% |
| Morgan Stanley Private Bank | $1,160,000 | $4,380,000 | 277.6% | 0.9% |
| Boeing Employees Credit Union | $8,500,000 | $4,335,000 | -49.0% | 0.9% |
| Mortgage Research Center, LLC | $2,155,000 | $4,105,000 | 90.5% | 0.9% |
| UNION HOME MORTGAGE CORP. | $275,000 | $4,085,000 | 1,385.5% | 0.9% |
| JPMorgan Chase Bank | $4,335,000 | $4,050,000 | -6.6% | 0.8% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,990,000 | $3,990,000 | 33.4% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,030,000 | $3,695,000 | 82.0% | 0.8% |
| GESA | $2,470,000 | $3,575,000 | 44.7% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $720,000 | $3,450,000 | 379.2% | 0.7% |
| NEWREZ LLC | $760,000 | $3,375,000 | 344.1% | 0.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $4,315,000 | $3,360,000 | -22.1% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $740,000 | $3,010,000 | 306.8% | 0.6% |
| BROKER SOLUTIONS, INC. | $880,000 | $2,975,000 | 238.1% | 0.6% |
| CALCON MUTUAL MORTGAGE LLC | $2,950,000 | n/a | 0.6% | |
| MOVEMENT MORTGAGE, LLC | $3,875,000 | $2,765,000 | -28.6% | 0.6% |
| SAMMAMISH MORTGAGE COMPANY | $2,595,000 | n/a | 0.5% | |
| Wells Fargo Bank | $4,450,000 | $2,420,000 | -45.6% | 0.5% |
| CARDINAL FINANCIAL | $1,125,000 | $2,415,000 | 114.7% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $55,000 | $2,330,000 | 4,136.4% | 0.5% |
| Washington Federal Bank | $1,885,000 | $2,320,000 | 23.1% | 0.5% |
| Bank of America | $3,735,000 | $2,275,000 | -39.1% | 0.5% |
| Banner Bank | $5,745,000 | $2,275,000 | -60.4% | 0.5% |
| First Interstate Bank | $2,710,000 | $2,240,000 | -17.3% | 0.5% |
| Stifel Bank and Trust | $975,000 | $2,230,000 | 128.7% | 0.5% |
| HOMEXPRESS MORTGAGE CORP. | $1,970,000 | n/a | 0.4% | |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,920,000 | n/a | 0.4% | |
| SUMMIT FUNDING, INC. | $395,000 | $1,895,000 | 379.7% | 0.4% |
| KINECTA | $1,825,000 | n/a | 0.4% | |
| First-Citizens Bank & Trust Company | $1,745,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $710,000 | $1,620,000 | 128.2% | 0.3% |
| PRIORITY HOME LENDING, LLC | $4,100,000 | $1,615,000 | -60.6% | 0.3% |
| 1st Security Bank of Washington | $2,775,000 | $1,605,000 | -42.2% | 0.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,585,000 | n/a | 0.3% | |
| HOMESIDE FINANCIAL, LLC | $1,505,000 | n/a | 0.3% | |
| NATIONS DIRECT MORTGAGE, LLC | $1,460,000 | n/a | 0.3% | |
| Northpointe Bank | $985,000 | $1,450,000 | 47.2% | 0.3% |
| Quontic Bank | $1,405,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,175,000 | $1,375,000 | 17.0% | 0.3% |
| LENDSURE MORTGAGE CORP. | $2,045,000 | $1,365,000 | -33.3% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $785,000 | $1,320,000 | 68.2% | 0.3% |
| CHURCHILL MORTGAGE CORPORATION | $460,000 | $1,265,000 | 175.0% | 0.3% |
| ALLIANT CREDIT UNION | $155,000 | $1,260,000 | 712.9% | 0.3% |
| The Loan Store, Inc. | $920,000 | $1,235,000 | 34.2% | 0.3% |
| Plains Commerce Bank | $215,000 | $1,170,000 | 444.2% | 0.2% |
| Alaska USA Federal Credit Union | $1,715,000 | $1,140,000 | -33.5% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,110,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $105,000 | $1,100,000 | 947.6% | 0.2% |
| Figure Lending LLC | $95,000 | $1,060,000 | 1,015.8% | 0.2% |
| First National Bank of America | $1,240,000 | $1,060,000 | -14.5% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $2,660,000 | $1,050,000 | -60.5% | 0.2% |
| Citizens Bank | $1,020,000 | n/a | 0.2% | |
| WESTMARK Credit Union | $65,000 | $1,005,000 | 1,446.2% | 0.2% |
| ENVOY MORTGAGE, LTD | $540,000 | $1,000,000 | 85.2% | 0.2% |
| North American Savings Bank, F.S.B. | $985,000 | n/a | 0.2% | |
| ALAMEDA MORTGAGE CORPORATION | $955,000 | n/a | 0.2% | |
| Sunflower Bank | $3,540,000 | $950,000 | -73.2% | 0.2% |
| OCMBC, INC. | $920,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $910,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $3,240,000 | $885,000 | -72.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,940,000 | $865,000 | -55.4% | 0.2% |
| Northbrook Bank & Trust | $805,000 | n/a | 0.2% | |
| Northwest Farm Credit Services, FLCA | $760,000 | $805,000 | 5.9% | 0.2% |
| LIMA ONE CAPITAL, LLC | $785,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,800,000 | $770,000 | -86.7% | 0.2% |
| Old National Bank | $750,000 | n/a | 0.2% | |
| Farmers Bank & Trust | $435,000 | $745,000 | 71.3% | 0.2% |
| LADERA LENDING, INC. | $365,000 | $745,000 | 104.1% | 0.2% |
| Wallick & Volk, Inc. | $285,000 | $725,000 | 154.4% | 0.2% |
| Charles Schwab Bank, SSB | $1,040,000 | $705,000 | -32.2% | 0.1% |
| The Federal Savings Bank | $235,000 | $685,000 | 191.5% | 0.1% |
| Allied First Bank,sb | $655,000 | n/a | 0.1% | |
| ON Q FINANCIAL, INC. | $285,000 | $655,000 | 129.8% | 0.1% |
| Raymond James Bank | $655,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $190,000 | $620,000 | 226.3% | 0.1% |
| AXIA FINANCIAL, LLC | $385,000 | $615,000 | 59.7% | 0.1% |
| S1L, Inc. | $485,000 | $610,000 | 25.8% | 0.1% |
| Bank of Idaho | $605,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $875,000 | $600,000 | -31.4% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $570,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $1,865,000 | $560,000 | -70.0% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $745,000 | $550,000 | -26.2% | 0.1% |
| Coastal Community Bank | $80,000 | $535,000 | 568.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $170,000 | $525,000 | 208.8% | 0.1% |
| GENEVA FINANCIAL, LLC | $505,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $85,000 | $490,000 | 476.5% | 0.1% |
| The Central Trust Bank | $475,000 | n/a | 0.1% | |
| WASHINGTON STATE EMPLOYEES Credit Union | $175,000 | $475,000 | 171.4% | 0.1% |
| GEORGIA'S OWN | $465,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $2,525,000 | $455,000 | -82.0% | 0.1% |
| Credence Funding Corporation | $455,000 | n/a | 0.1% | |
| Discover Bank | $490,000 | $455,000 | -7.1% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $510,000 | $435,000 | -14.7% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,105,000 | $425,000 | -61.5% | 0.1% |
| NORTHROP GRUMMAN Federal Credit Union | $425,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $195,000 | $410,000 | 110.3% | 0.1% |
| FIRST TECHNOLOGY | $815,000 | $395,000 | -51.5% | 0.1% |
| V.I.P. MORTGAGE, INC. | $375,000 | n/a | 0.1% | |
| PNC Bank | $360,000 | $365,000 | 1.4% | 0.1% |
| CANOPY MORTGAGE, LLC | $355,000 | n/a | 0.1% | |
| INTELLILOAN, INC. | $355,000 | n/a | 0.1% | |
| ONY GLO, INC. | $345,000 | n/a | 0.1% | |
| 5TH STREET CAPITAL, INC. | $325,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $325,000 | n/a | 0.1% | |
| KeyBank | $830,000 | $325,000 | -60.8% | 0.1% |
| Secured Investment Corp. | $305,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $325,000 | $295,000 | -9.2% | 0.1% |
| 21ST MORTGAGE CORPORATION | $230,000 | $255,000 | 10.9% | 0.1% |
| PHH Mortgage Corporation | $350,000 | $255,000 | -27.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | $250,000 | 284.6% | 0.1% |
| SUMMIT MORTGAGE CORPORATION | $265,000 | $245,000 | -7.5% | 0.1% |
| Cache Valley Bank | $1,635,000 | $235,000 | -85.6% | 0.0% |
| F&A Federal Credit Union | $205,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $165,000 | n/a | 0.0% | |
| HighTechLending Inc | $145,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $210,000 | $105,000 | -50.0% | 0.0% |
| MICHIGAN MUTUAL, INC. | $105,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $105,000 | n/a | 0.0% | |
| AMERICA FIRST | $135,000 | $75,000 | -44.4% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $75,000 | n/a | 0.0% | |
| UNITED | $55,000 | n/a | 0.0% |
Sandpoint's top lender by overall market share is Glacier Bank, with 8.6% market share. In second place, with 5.6%, is Washington Trust Bank, having originated $26,845,000 in loans. In third place, with 4.9%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $23,400,000 in loans. In fourth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $22,180,000 in loans. In fifth place, with 4.1%, is IDAHO CENTRAL, having originated $19,770,000 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 (-7.4%) | 0.00 | 361 |
| 2018-02-01 | $359,000 (2.6%) | $540,038 (-2.6%) | 0.00 | 370 |
| 2018-03-01 | $369,000 (-0.8%) | $572,152 (0.3%) | 0.00 | 402 |
| 2018-04-01 | $377,000 (4.1%) | $570,435 (0.4%) | 0.00 | 441 |
| 2018-05-01 | $379,000 (4.1%) | $574,695 (4.2%) | 0.00 | 514 |
| 2018-06-01 | $395,500 (8.1%) | $592,223 (7.6%) | 0.00 | 606 |
| 2018-07-01 | $398,000 (6.1%) | $596,670 (8.9%) | 0.00 | 641 |
| 2018-08-01 | $425,000 (9.3%) | $629,187 (11.3%) | 0.00 | 716 |
| 2018-09-01 | $399,900 (9.6%) | $652,878 (15.2%) | 0.00 | 613 |
| 2018-10-01 | $398,000 (8.8%) | $640,031 (14.6%) | 0.00 | 563 |
| 2018-11-01 | $397,725 (7.8%) | $639,994 (16.2%) | 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 (20.6%) | 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 (25.4%) | 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 | $525,750 (16.9%) | $918,451 (13.4%) | 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 (32.4%) | $1,734,015 (88.8%) | 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%) | $1,197,639 (-3.6%) | 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 (3.8%) | 0.00 | 569 |
| 2024-09-01 | $788,000 (1.7%) | $1,275,823 (6.3%) | 0.00 | 559 |
| 2024-10-01 | $799,000 (1.3%) | $1,289,747 (5.4%) | 0.00 | 503 |
| 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 |
Sandpoint's median listing price comes in at 0% of the national average.
Sandpoint's average listing price for 2025-03-01 was $1,274,449, a difference of $-32,990 (-2.5%) versus the prior year and $19,148 versus the prior month.
For the 2025-03-01 period, Sandpoint had 333 MLS listings, a difference of 19 listings (6%) versus the prior month and 39 listings (13%) 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 | 1,960 sqft |
| 2018-09-01 | 0 days | 2,059 sqft |
| 2018-10-01 | 0 days | 2,026 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 | 1,970 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 | 2,020 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 | 2,017 sqft |
| 2023-11-01 | 0 days | 2,028 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 | 1,913 sqft |
| 2024-10-01 | 0 days | 1,914 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 |
Sandpoint's median square footage for active listings during the 2025-03-01 period was 2,050 sqft. One year prior, the average listing was 1,915 sqft.
Sandpoint, ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 598 | $288,940,000 | $483,177 |
| Cash Out Refi | 195 | $69,185,000 | $354,795 |
| Home Improvement | 182 | $28,010,000 | $153,901 |
| Refi | 150 | $63,250,000 | $421,667 |
| Other | 146 | $27,690,000 | $189,658 |
Sandpoint's most frequently cited loan purpose was Home Purchase, with 598 originations. The 2nd most popular reason was Cash Out Refi, with 195 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 470 | $208,940,000 | $444,553 |
| Over 8% | 378 | $76,210,000 | $201,614 |
| 7-8% | 250 | $113,760,000 | $455,040 |
| 5-6% | 117 | $63,295,000 | $540,983 |
| 4-5% | 33 | $7,885,000 | $238,939 |
| <2.5% | 4 | $970,000 | $242,500 |
| 2.5-3% | 1 | $655,000 | $655,000 |
During 2024, Sandpoint's most frequently originated rate bucket was 6-7%, with 470 originations.
Loan Sizing (Sandpoint, ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 392 | $115,250,000 | $294,005 |
| $400k-600k | 268 | $128,330,000 | $478,843 |
| $100,000 or less | 217 | $12,305,000 | $56,705 |
| $100k-200k | 203 | $28,125,000 | $138,547 |
| $600k-1000k | 136 | $99,950,000 | $734,926 |
| $Over $1MM | 55 | $93,115,000 | $1,693,000 |
Sandpoint's loan sizing saw the bucket of loans from $200k-400k with 392 originations, totaling $115,250,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| Under 20% | 305 | $27,805,000 | $91,164 |
| 80-100% | 270 | $134,380,000 | $497,704 |
| 60-80% | 248 | $154,170,000 | $621,653 |
| 20-40% | 217 | $56,425,000 | $260,023 |
| 40-60% | 187 | $87,445,000 | $467,620 |
| Over 100% | 10 | $4,500,000 | $450,000 |
Sandpoint's loan sizing saw loans grouped in the Under 20% Loan-to-value bucket with 305 originations, totaling $27,805,000 in origination value.