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FHA loans in Rathdrum, ID

Quick answer

The 2026 FHA loan limit in Rathdrum, ID (Kootenai County) is $572,700 for a single-family home, enough for a purchase price up to about $593,000 with 3.5% down. On the $381,800 median home value, that down payment is about $13,363 and the estimated payment is $2,973/month at 7.18%, which needs roughly $128,000 a year in income.

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

Median household income: $86,431; value-to-income ratio 4.42. Rathdrum ranks 11 by home value and 24 by population among 25 places in our ID dataset.

What does an FHA loan cost on a typical Rathdrum home?

ItemRathdrum
Median home value (Census ACS)$381,800
Idaho median home value$376,000
Down payment (3.5%)$13,363
Loan incl. 1.75% upfront MIP$374,885
Estimated monthly payment (PITI + MI)$2,973
Income needed (28% / 36%)$128,000 / $100,000
Kootenai County 2026 FHA limit (1 unit)$572,700
Max purchase price at the limit$593,000

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 Rathdrum?

Rathdrum is in Kootenai County where HUD's 2026 one-unit FHA limit is $572,700. With the minimum 3.5% down, that caps the purchase price at about $593,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Rathdrum median home value of $381,800 is 2% above the Idaho median, and within what the county limit supports.

Which down payment assistance programs can Rathdrum buyers use?

FHA loans in nearby cities

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FHA loan FAQs for Rathdrum

Rathdrum is in Kootenai County, where HUD's 2026 FHA limit for a one-unit home is $572,700. With 3.5% down, that supports a purchase price up to about $593,000.

3.5% of $381,800 is about $13,363 with a 580+ credit score (10%, or $38,180, with a 500–579 score), plus closing costs.

At the $381,800 median value (close to the Idaho median of $376,000), the estimated payment of $2,973/month at 7.18% needs about $128,000 a year under the 28% housing guideline, or $100,000 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.