Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Idaho Falls, ID

Quick answer

The 2026 FHA loan limit in Idaho Falls, ID (Bonneville County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $298,600 median home value, that down payment is about $10,451 and the estimated payment is $2,346/month at 7.18%, which needs roughly $101,000 a year in income.

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

Median household income: $69,630; value-to-income ratio 4.29. Idaho Falls ranks 18 by home value and 4 by population among 25 places in our ID dataset.

What does an FHA loan cost on a typical Idaho Falls home?

ItemIdaho Falls
Median home value (Census ACS)$298,600
Idaho median home value$376,000
Down payment (3.5%)$10,451
Loan incl. 1.75% upfront MIP$293,192
Estimated monthly payment (PITI + MI)$2,346
Income needed (28% / 36%)$101,000 / $79,000
Bonneville County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

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 Idaho Falls?

Idaho Falls is in Bonneville County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Idaho Falls median home value of $298,600 is 21% below the Idaho median, and within what the county limit supports.

Which down payment assistance programs can Idaho Falls buyers use?

FHA loans in nearby cities

AmmonBlackfootRexburgChubbuckPocatelloBurley

FHA loan FAQs for Idaho Falls

Idaho Falls is in Bonneville County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $298,600 is about $10,451 with a 580+ credit score (10%, or $29,860, with a 500–579 score), plus closing costs.

At the $298,600 median value (below the Idaho median of $376,000), the estimated payment of $2,346/month at 7.18% needs about $101,000 a year under the 28% housing guideline, or $79,000 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.

Get matched with FHA lenders in Idaho Falls

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

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.