Blaine County, Idaho loan limits 2026
FIPS 16013 · 7 ZIP codes, e.g. 83313, 83320, 83333, 83340, 83348, 83353 · metro area (CBSA) 25200
In Blaine County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $759,000. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Blaine County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $759,000 | +3.3% |
| 2 units | $1,066,250 | $971,650 | +3.3% |
| 3 units | $1,288,800 | $1,174,500 | +3.3% |
| 4 units | $1,601,750 | $1,459,650 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages. Blaine County is in metro area CBSA 25200; all its counties share the same limit.
HUD income limits FY2026
Area median family income: $108,500 · Blaine County, ID
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $60,800 | $69,450 | $78,150 | $86,800 | $93,750 | $100,700 | $107,650 | $114,600 |
| Very low income (50%) | $38,000 | $43,400 | $48,850 | $54,250 | $58,600 | $62,950 | $67,300 | $71,650 |
| Extremely low income (30%) | $22,800 | $26,050 | $29,300 | $33,000 | $38,680 | $44,360 | $50,040 | $55,720 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $1,165/mo | $1,103 | +5.6% |
| 1 bedroom | $1,279/mo | $1,219 | +4.9% |
| 2 bedrooms | $1,673/mo | $1,600 | +4.6% |
| 3 bedrooms | $2,183/mo | $2,101 | +3.9% |
| 4 bedrooms | $2,796/mo | $2,401 | +16.5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Blaine County, ID.
Same metro area
Counties in CBSA 25200 share the same loan limits.
Other counties in Idaho
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Blaine County, ID for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Blaine County?
$759,000 for a single-family home in 2026 (HUD), up to $1,459,650 for a four-unit property.
What counts as a jumbo loan in Blaine County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Blaine County in 2026.
What are the HUD income limits in Blaine County?
For a family of four (FY2026): low income $86,800, very low income $54,250, extremely low income $33,000; area median family income $108,500.
What is the fair market rent in Blaine County?
$1,673 a month for a two-bedroom unit in FY2027 (HUD), $1,279 for one bedroom.