Idaho loan limits 2026 by county
In 2026, 1 of the 44 counties in Idaho has a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in Teton County. FHA limits run from $541,287 to $1,249,125: 11 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Idaho county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Ada County | $832,750 | $586,500 | Boise City, ID |
| Adams County | $832,750 | $541,287 | Non-Metro |
| Bannock County | $832,750 | $541,287 | Pocatello, ID |
| Bear Lake County | $832,750 | $541,287 | Non-Metro |
| Benewah County | $832,750 | $541,287 | Non-Metro |
| Bingham County | $832,750 | $541,287 | Blackfoot, ID |
| Blaine County | $832,750 | $759,000 | Hailey, ID |
| Boise County | $832,750 | $586,500 | Boise City, ID |
| Bonner County | $832,750 | $541,287 | Sandpoint, ID |
| Bonneville County | $832,750 | $541,287 | Idaho Falls, ID |
| Boundary County | $832,750 | $541,287 | Non-Metro |
| Butte County | $832,750 | $541,287 | Idaho Falls, ID |
| Camas County | $832,750 | $759,000 | Hailey, ID |
| Canyon County | $832,750 | $586,500 | Boise City, ID |
| Caribou County | $832,750 | $541,287 | Non-Metro |
| Cassia County | $832,750 | $541,287 | Burley, ID |
| Clark County | $832,750 | $541,287 | Non-Metro |
| Clearwater County | $832,750 | $541,287 | Non-Metro |
| Custer County | $832,750 | $541,287 | Non-Metro |
| Elmore County | $832,750 | $541,287 | Mountain Home, ID |
| Franklin County | $832,750 | $541,287 | Logan, UT-ID |
| Fremont County | $832,750 | $541,287 | Rexburg, ID |
| Gem County | $832,750 | $586,500 | Boise City, ID |
| Gooding County | $832,750 | $541,287 | Non-Metro |
| Idaho County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Idaho Falls, ID |
| Jerome County | $832,750 | $541,287 | Twin Falls, ID |
| Kootenai County | $832,750 | $572,700 | Coeur D'alene, ID |
| Latah County | $832,750 | $541,287 | Moscow, ID |
| Lemhi County | $832,750 | $541,287 | Non-Metro |
| Lewis County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $759,000 | Hailey, ID |
| Madison County | $832,750 | $541,287 | Rexburg, ID |
| Minidoka County | $832,750 | $541,287 | Burley, ID |
| Nez Perce County | $832,750 | $541,287 | Lewiston, ID-WA |
| Oneida County | $832,750 | $541,287 | Brigham City, UT-ID |
| Owyhee County | $832,750 | $586,500 | Boise City, ID |
| Payette County | $832,750 | $541,287 | Ontario, OR-ID |
| Power County | $832,750 | $541,287 | Non-Metro |
| Shoshone County | $832,750 | $541,287 | Non-Metro |
| Teton County | $1,249,125 | $1,249,125 | Jackson, WY-ID |
| Twin Falls County | $832,750 | $541,287 | Twin Falls, ID |
| Valley County | $832,750 | $615,250 | Non-Metro |
| Washington County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Idaho
Teton County ($1,249,125), Blaine County ($759,000), Camas County ($759,000), Lincoln County ($759,000) and Valley County ($615,250). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Idaho
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Idaho fair market rentsHUD Fair Market Rents for every Idaho county, studios to 4 bedrooms.
- Idaho property tax ratesEffective property tax rate for every Idaho county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Idaho loan limits
What are the FHA loan limits in Idaho for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 11 counties are above the national floor of $541,287, led by Teton County ($1,249,125), Blaine County ($759,000) and Camas County ($759,000); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Idaho for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 1 county is above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Idaho?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,249,125 in Idaho for 2026: 25 percent of that limit minus the entitlement already used.
Which Idaho counties have the highest loan limits?
Conforming: Teton County at $1,249,125. FHA: Teton County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/idaho. Not lending advice.