Idaho Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 44 Idaho counties. 11 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Idaho counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Ada County | $586,500 | $832,750 | High-cost |
| Adams County | $541,287 | $832,750 | Floor |
| Bannock County | $541,287 | $832,750 | Floor |
| Bear Lake County | $541,287 | $832,750 | Floor |
| Benewah County | $541,287 | $832,750 | Floor |
| Bingham County | $541,287 | $832,750 | Floor |
| Blaine County | $759,000 | $832,750 | High-cost |
| Boise County | $586,500 | $832,750 | High-cost |
| Bonner County | $541,287 | $832,750 | Floor |
| Bonneville County | $541,287 | $832,750 | Floor |
| Boundary County | $541,287 | $832,750 | Floor |
| Butte County | $541,287 | $832,750 | Floor |
| Camas County | $759,000 | $832,750 | High-cost |
| Canyon County | $586,500 | $832,750 | High-cost |
| Caribou County | $541,287 | $832,750 | Floor |
| Cassia County | $541,287 | $832,750 | Floor |
| Clark County | $541,287 | $832,750 | Floor |
| Clearwater County | $541,287 | $832,750 | Floor |
| Custer County | $541,287 | $832,750 | Floor |
| Elmore County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Fremont County | $541,287 | $832,750 | Floor |
| Gem County | $586,500 | $832,750 | High-cost |
| Gooding County | $541,287 | $832,750 | Floor |
| Idaho County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Jerome County | $541,287 | $832,750 | Floor |
| Kootenai County | $572,700 | $832,750 | High-cost |
| Latah County | $541,287 | $832,750 | Floor |
| Lemhi County | $541,287 | $832,750 | Floor |
| Lewis County | $541,287 | $832,750 | Floor |
| Lincoln County | $759,000 | $832,750 | High-cost |
| Madison County | $541,287 | $832,750 | Floor |
| Minidoka County | $541,287 | $832,750 | Floor |
| Nez Perce County | $541,287 | $832,750 | Floor |
| Oneida County | $541,287 | $832,750 | Floor |
| Owyhee County | $586,500 | $832,750 | High-cost |
| Payette County | $541,287 | $832,750 | Floor |
| Power County | $541,287 | $832,750 | Floor |
| Shoshone County | $541,287 | $832,750 | Floor |
| Teton County | $1,249,125 | $1,249,125 | High-cost |
| Twin Falls County | $541,287 | $832,750 | Floor |
| Valley County | $615,250 | $832,750 | High-cost |
| Washington County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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