What are the loan limits in each Idaho county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Ada County | $832,750 | $586,500 | $750,800 | $476,000 |
| Adams County | $832,750 | $541,287 | $693,050 | $327,300 |
| Bannock County | $832,750 | $541,287 | $693,050 | $267,200 |
| Bear Lake County | $832,750 | $541,287 | $693,050 | $234,200 |
| Benewah County | $832,750 | $541,287 | $693,050 | $255,800 |
| Bingham County | $832,750 | $541,287 | $693,050 | $258,000 |
| Blaine County | $832,750 | $759,000 | $971,650 | $663,800 |
| Boise County | $832,750 | $586,500 | $750,800 | $424,100 |
| Bonner County | $832,750 | $541,287 | $693,050 | $433,400 |
| Bonneville County | $832,750 | $541,287 | $693,050 | $327,000 |
| Boundary County | $832,750 | $541,287 | $693,050 | $344,100 |
| Butte County | $832,750 | $541,287 | $693,050 | $195,800 |
| Camas County | $832,750 | $759,000 | $971,650 | $248,900 |
| Canyon County | $832,750 | $586,500 | $750,800 | $350,300 |
| Caribou County | $832,750 | $541,287 | $693,050 | $220,200 |
| Cassia County | $832,750 | $541,287 | $693,050 | $257,300 |
| Clark County | $832,750 | $541,287 | $693,050 | $203,000 |
| Clearwater County | $832,750 | $541,287 | $693,050 | $240,800 |
| Custer County | $832,750 | $541,287 | $693,050 | $295,600 |
| Elmore County | $832,750 | $541,287 | $693,050 | $278,300 |
| Franklin County | $832,750 | $541,287 | $693,050 | $304,000 |
| Fremont County | $832,750 | $541,287 | $693,050 | $281,800 |
| Gem County | $832,750 | $586,500 | $750,800 | $367,300 |
| Gooding County | $832,750 | $541,287 | $693,050 | $231,800 |
| Idaho County | $832,750 | $541,287 | $693,050 | $284,600 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $335,000 |
| Jerome County | $832,750 | $541,287 | $693,050 | $254,000 |
| Kootenai County | $832,750 | $572,700 | $733,150 | $467,400 |
| Latah County | $832,750 | $541,287 | $693,050 | $342,500 |
| Lemhi County | $832,750 | $541,287 | $693,050 | $282,100 |
| Lewis County | $832,750 | $541,287 | $693,050 | $202,400 |
| Lincoln County | $832,750 | $759,000 | $971,650 | $206,700 |
| Madison County | $832,750 | $541,287 | $693,050 | $365,000 |
| Minidoka County | $832,750 | $541,287 | $693,050 | $235,300 |
| Nez Perce County | $832,750 | $541,287 | $693,050 | $291,300 |
| Oneida County | $832,750 | $541,287 | $693,050 | $228,100 |
| Owyhee County | $832,750 | $586,500 | $750,800 | $281,600 |
| Payette County | $832,750 | $541,287 | $693,050 | $310,700 |
| Power County | $832,750 | $541,287 | $693,050 | $191,200 |
| Shoshone County | $832,750 | $541,287 | $693,050 | $222,700 |
| Teton County | $1,249,125 | $1,249,125 | $1,599,375 | $595,900 |
| Twin Falls County | $832,750 | $541,287 | $693,050 | $292,700 |
| Valley County | $832,750 | $615,250 | $787,650 | $599,500 |
| Washington County | $832,750 | $541,287 | $693,050 | $250,300 |
Which Idaho counties are high-cost areas?
Teton County has conforming limits above the $832,750 baseline because local home values are higher.
Largest cities in Idaho
Frequently asked questions
FHA one-unit limits in Idaho start at $541,287. In Ada County, the most populous county, it's $586,500.
The 2026 one-unit conforming limit in Ada County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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