Idaho Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 44 counties in Idaho. FHA limits in this state range from $541,287 to $811,931, while conforming limits range from $832,750 to $1,249,125.
2026 Loan Limits by County in Idaho
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Ada County | $541,287 | $832,750 | $512,300 |
| 2 | Adams County | $541,287 | $832,750 | $376,500 |
| 3 | Bannock County | $541,287 | $832,750 | $300,700 |
| 4 | Bear Lake County | $541,287 | $832,750 | $275,000 |
| 5 | Benewah County | $541,287 | $832,750 | $293,500 |
| 6 | Bingham County | $541,287 | $832,750 | $293,300 |
| 7 | Blaine County | $541,287 | $832,750 | $735,300 |
| 8 | Boise County | $541,287 | $832,750 | $476,100 |
| 9 | Bonner County | $541,287 | $832,750 | $487,900 |
| 10 | Bonneville County | $541,287 | $832,750 | $368,800 |
| 11 | Boundary County | $541,287 | $832,750 | $410,500 |
| 12 | Butte County | $541,287 | $832,750 | $217,600 |
| 13 | Camas County | $541,287 | $832,750 | $304,000 |
| 14 | Canyon County | $541,287 | $832,750 | $390,000 |
| 15 | Caribou County | $541,287 | $832,750 | $241,500 |
| 16 | Cassia County | $541,287 | $832,750 | $284,600 |
| 17 | Clark County | $541,287 | $832,750 | $216,900 |
| 18 | Clearwater County | $541,287 | $832,750 | $268,200 |
| 19 | Custer County | $541,287 | $832,750 | $381,700 |
| 20 | Elmore County | $541,287 | $832,750 | $316,500 |
| 21 | Franklin County | $541,287 | $832,750 | $372,600 |
| 22 | Fremont County | $541,287 | $832,750 | $314,200 |
| 23 | Gem County | $541,287 | $832,750 | $428,700 |
| 24 | Gooding County | $541,287 | $832,750 | $250,900 |
| 25 | Idaho County | $541,287 | $832,750 | $310,200 |
| 26 | Jefferson County | $541,287 | $832,750 | $408,400 |
| 27 | Jerome County | $541,287 | $832,750 | $271,800 |
| 28 | Kootenai County | $541,287 | $832,750 | $518,700 |
| 29 | Latah County | $541,287 | $832,750 | $368,600 |
| 30 | Lemhi County | $541,287 | $832,750 | $326,100 |
| 31 | Lewis County | $541,287 | $832,750 | $225,300 |
| 32 | Lincoln County | $541,287 | $832,750 | $255,600 |
| 33 | Madison County | $541,287 | $832,750 | $414,800 |
| 34 | Minidoka County | $541,287 | $832,750 | $262,600 |
| 35 | Nez Perce County | $541,287 | $832,750 | $334,700 |
| 36 | Oneida County | $541,287 | $832,750 | $272,000 |
| 37 | Owyhee County | $541,287 | $832,750 | $359,800 |
| 38 | Payette County | $541,287 | $832,750 | $341,800 |
| 39 | Power County | $541,287 | $832,750 | $212,900 |
| 40 | Shoshone County | $541,287 | $832,750 | $267,400 |
| 41 | Teton County | $811,931 | $1,249,125 | $690,500 |
| 42 | Twin Falls County | $541,287 | $832,750 | $337,900 |
| 43 | Valley County | $541,287 | $832,750 | $657,000 |
| 44 | Washington County | $541,287 | $832,750 | $278,100 |
About Idaho's Mortgage Market
Idaho has 44 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Idaho range from $541,287 to $811,931 for a single-family home. Conforming limits range from $832,750 to $1,249,125.
Use our mortgage calculator to compute monthly payments using Idaho-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Idaho?
The highest 2026 FHA limit in Idaho is $811,931 for a single-family home.
What is the maximum conforming loan limit in Idaho?
The highest 2026 conforming loan limit in Idaho is $1,249,125 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Idaho?
Idaho has 44 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.