Loan Limits / Idaho / Owyhee County
2026 Loan Limits · Idaho · BOISE CITY, ID
Owyhee County, ID.
2026 conforming and FHA loan limits, calibrated to a median sales price of $491,000.
Median Sales Price
$491,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$586,500
Mid-tier
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Mid-tier| 1-unit (single-family) | $586,500 |
| 2-unit (duplex) | $750,800 |
| 3-unit (triplex) | $907,550 |
| 4-unit (fourplex) | $1,127,900 |
About this county
About Owyhee County
Owyhee County is a county in the southwestern corner of the U.S. state of Idaho. As of the 2020 census, the population was 11,913. The county seat is Murphy, and its largest city is Homedale. In area it is the second-largest county in Idaho, behind Idaho County. Owyhee County is part of the Boise metropolitan area and contains slightly more than half of the Duck Valley Indian Reservation, which extends over the Nevada border, into Elko County. The majority of the federally recognized Shoshone-Paiute Tribe that is associated with this reservation lives on the Nevada side; its tribal center is in Owyhee, Nevada. Read more on Wikipedia →
Population
12,284
U.S. Census ACS 2023
Median Household Income
$59,773
U.S. Census ACS 2023
Median Home Value (Census)
$281,600
Owner-occupied · ACS 2023
Owner-Occupancy Rate
71%
Of occupied housing
What these limits mean for buyers in Owyhee County
The 2026 conforming 1-unit limit for Owyhee County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Owyhee County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $586,500. The HUD CHUMS table pegs the median sales price for Owyhee County at $491,000. Owyhee County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Owyhee County ($491,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Owyhee County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Owyhee County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.