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FHA loans in Garden City, ID

Quick answer

The 2026 FHA loan limit in Garden City, ID (Ada County) is $586,500 for a single-family home, enough for a purchase price up to about $607,000 with 3.5% down. On the $411,400 median home value, that down payment is about $14,399 and the estimated payment is $3,196/month at 7.18%, which needs roughly $137,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $66,859; value-to-income ratio 6.15. Garden City ranks 8 by home value and 22 by population among 25 places in our ID dataset.

What does an FHA loan cost on a typical Garden City home?

ItemGarden City
Median home value (Census ACS)$411,400
Idaho median home value$376,000
Down payment (3.5%)$14,399
Loan incl. 1.75% upfront MIP$403,949
Estimated monthly payment (PITI + MI)$3,196
Income needed (28% / 36%)$137,000 / $107,000
Ada County 2026 FHA limit (1 unit)$586,500
Max purchase price at the limit$607,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Idaho's 0.53% effective property tax rate (Census ACS), $1,135/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Garden City?

Garden City is in Ada County where HUD's 2026 one-unit FHA limit is $586,500. With the minimum 3.5% down, that caps the purchase price at about $607,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Garden City median home value of $411,400 is 9% above the Idaho median, and within what the county limit supports.

Which down payment assistance programs can Garden City buyers use?

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FHA loan FAQs for Garden City

Garden City is in Ada County, where HUD's 2026 FHA limit for a one-unit home is $586,500. With 3.5% down, that supports a purchase price up to about $607,000.

3.5% of $411,400 is about $14,399 with a 580+ credit score (10%, or $41,140, with a 500–579 score), plus closing costs.

At the $411,400 median value (above the Idaho median of $376,000), the estimated payment of $3,196/month at 7.18% needs about $137,000 a year under the 28% housing guideline, or $107,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.