Buying a Home in Boise
Can I Ask the Seller to Buy Down My Interest Rate?
Yes. You can ask the seller to pay for a rate buydown as part of your offer, and in the Treasure Valley right now a lot of sellers are saying yes. In October 2026, 53% of home sales across Ada, Canyon and Elmore counties included seller-paid closing costs, with a median of $10,000. The main limit is your loan type, which caps how much the seller can contribute. With 30-year rates averaging 7.18% in Freddie Mac's November 5 survey, the monthly payment is what's stopping a lot of buyers I talk...
Is Boise a Buyer's or Seller's Market Right Now? Here's What October Says
The honest answer is that it depends on your price range. In October 2026, homes under $400K across Ada, Canyon and Elmore counties had about 1.8 months of supply and sold in a median of 19 days. In the $800K to $1M range, supply was about 4.1 months. Same valley, very different leverage. If you're trying to decide whether to make a move this winter, a single "the market is hot" or "the market is cooling" headline won't help you much. Here's what the numbers actually show. How fast are homes...