Loan Limits / Idaho
2026 Loan Limits · ID
Idaho loan limits.
All 44 counties in Idaho with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
44 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Ada | $491,000 | $832,750 | Standard | $586,500 | High-cost |
| Adams | $355,000 | $832,750 | Standard | $541,287 | Standard |
| Bannock | $331,000 | $832,750 | Standard | $541,287 | Standard |
| Bear Lake | $334,000 | $832,750 | Standard | $541,287 | Standard |
| Benewah | $250,000 | $832,750 | Standard | $541,287 | Standard |
| Bingham | $336,000 | $832,750 | Standard | $541,287 | Standard |
| Blaine | $657,000 | $832,750 | Standard | $759,000 | High-cost |
| Boise | $491,000 | $832,750 | Standard | $586,500 | High-cost |
| Bonner | $440,000 | $832,750 | Standard | $541,287 | Standard |
| Bonneville | $410,000 | $832,750 | Standard | $541,287 | Standard |
| Boundary | $345,000 | $832,750 | Standard | $541,287 | Standard |
| Butte | $410,000 | $832,750 | Standard | $541,287 | Standard |
| Camas | $657,000 | $832,750 | Standard | $759,000 | High-cost |
| Canyon | $491,000 | $832,750 | Standard | $586,500 | High-cost |
| Caribou | $290,000 | $832,750 | Standard | $541,287 | Standard |
| Cassia | $314,000 | $832,750 | Standard | $541,287 | Standard |
| Clark | $274,000 | $832,750 | Standard | $541,287 | Standard |
| Clearwater | $232,000 | $832,750 | Standard | $541,287 | Standard |
| Custer | $298,000 | $832,750 | Standard | $541,287 | Standard |
| Elmore | $348,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $425,000 | $832,750 | Standard | $541,287 | Standard |
| Fremont | $384,000 | $832,750 | Standard | $541,287 | Standard |
| Gem | $491,000 | $832,750 | Standard | $586,500 | High-cost |
| Gooding | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Idaho | $284,000 | $832,750 | Standard | $541,287 | Standard |
| Jefferson | $410,000 | $832,750 | Standard | $541,287 | Standard |
| Jerome | $334,000 | $832,750 | Standard | $541,287 | Standard |
| Kootenai | $498,000 | $832,750 | Standard | $572,700 | High-cost |
| Latah | $398,000 | $832,750 | Standard | $541,287 | Standard |
| Lemhi | $314,000 | $832,750 | Standard | $541,287 | Standard |
| Lewis | $253,000 | $832,750 | Standard | $541,287 | Standard |
| Lincoln | $657,000 | $832,750 | Standard | $759,000 | High-cost |
| Madison | $384,000 | $832,750 | Standard | $541,287 | Standard |
| Minidoka | $314,000 | $832,750 | Standard | $541,287 | Standard |
| Nez Perce | $357,000 | $832,750 | Standard | $541,287 | Standard |
| Oneida | $401,000 | $832,750 | Standard | $541,287 | Standard |
| Owyhee | $491,000 | $832,750 | Standard | $586,500 | High-cost |
| Payette | $335,000 | $832,750 | Standard | $541,287 | Standard |
| Power | $278,000 | $832,750 | Standard | $541,287 | Standard |
| Shoshone | $282,000 | $832,750 | Standard | $541,287 | Standard |
| Teton | $1,740,000 | $1,249,125 | High-cost | $1,249,125 | High-cost |
| Twin Falls | $334,000 | $832,750 | Standard | $541,287 | Standard |
| Valley | $535,000 | $832,750 | Standard | $615,250 | High-cost |
| Washington | $293,000 | $832,750 | Standard | $541,287 | Standard |
Idaho at a glance
44 counties indexed. 11 are designated high-cost by HUD or FHFA. The highest GSE 1-unit limit in Idaho is $1,249,125 in Teton County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Idaho.