Limits for 2026 · updated 2026-10-29
Idaho loan limits 2026
1 of 44 counties in Idaho are high-cost areas with a conforming limit above the $832,750 baseline — the highest is $1,249,125 in Teton County. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 43High-cost ceiling ($1,249,125) 1
All counties
| Teton County | $1,249,125 | +3.3% | $1,249,125 | $1,740,000 | $1,343 |
| Ada County | $832,750 | +3.3% | $586,500 | $491,000 | $1,540 |
| Adams County | $832,750 | +3.3% | $541,287 | $355,000 | $1,014 |
| Bannock County | $832,750 | +3.3% | $541,287 | $331,000 | $1,251 |
| Bear Lake County | $832,750 | +3.3% | $541,287 | $334,000 | $1,057 |
| Benewah County | $832,750 | +3.3% | $541,287 | $250,000 | $1,117 |
| Bingham County | $832,750 | +3.3% | $541,287 | $336,000 | $1,017 |
| Blaine County | $832,750 | +3.3% | $759,000 | $657,000 | $1,673 |
| Boise County | $832,750 | +3.3% | $586,500 | $491,000 | $1,540 |
| Bonner County | $832,750 | +3.3% | $541,287 | $440,000 | $1,328 |
| Bonneville County | $832,750 | +3.3% | $541,287 | $410,000 | $1,274 |
| Boundary County | $832,750 | +3.3% | $541,287 | $345,000 | $1,026 |
| Butte County | $832,750 | +3.3% | $541,287 | $410,000 | $1,174 |
| Camas County | $832,750 | +3.3% | $759,000 | $657,000 | $1,111 |
| Canyon County | $832,750 | +3.3% | $586,500 | $491,000 | $1,540 |
| Caribou County | $832,750 | +3.3% | $541,287 | $290,000 | $1,014 |
| Cassia County | $832,750 | +3.3% | $541,287 | $314,000 | $1,080 |
| Clark County | $832,750 | +3.3% | $541,287 | $274,000 | $1,014 |
| Clearwater County | $832,750 | +3.3% | $541,287 | $232,000 | $1,108 |
| Custer County | $832,750 | +3.3% | $541,287 | $298,000 | $1,136 |
| Elmore County | $832,750 | +3.3% | $541,287 | $348,000 | $1,285 |
| Franklin County | $832,750 | +3.3% | $541,287 | $425,000 | $1,265 |
| Fremont County | $832,750 | +3.3% | $541,287 | $384,000 | $1,014 |
| Gem County | $832,750 | +3.3% | $586,500 | $491,000 | $1,071 |
| Gooding County | $832,750 | +3.3% | $541,287 | $280,000 | $1,053 |
| Idaho County | $832,750 | +3.3% | $541,287 | $284,000 | $1,036 |
| Jefferson County | $832,750 | +3.3% | $541,287 | $410,000 | $1,274 |
| Jerome County | $832,750 | +3.3% | $541,287 | $334,000 | $1,166 |
| Kootenai County | $832,750 | +3.3% | $572,700 | $498,000 | $1,507 |
| Latah County | $832,750 | +3.3% | $541,287 | $398,000 | $1,043 |
| Lemhi County | $832,750 | +3.3% | $541,287 | $314,000 | $1,037 |
| Lewis County | $832,750 | +3.3% | $541,287 | $253,000 | $1,014 |
| Lincoln County | $832,750 | +3.3% | $759,000 | $657,000 | $1,047 |
| Madison County | $832,750 | +3.3% | $541,287 | $384,000 | $1,159 |
| Minidoka County | $832,750 | +3.3% | $541,287 | $314,000 | $1,062 |
| Nez Perce County | $832,750 | +3.3% | $541,287 | $357,000 | $1,234 |
| Oneida County | $832,750 | +3.3% | $541,287 | $401,000 | $1,111 |
| Owyhee County | $832,750 | +3.3% | $586,500 | $491,000 | $1,540 |
| Payette County | $832,750 | +3.3% | $541,287 | $335,000 | $1,071 |
| Power County | $832,750 | +3.3% | $541,287 | $278,000 | $1,014 |
| Shoshone County | $832,750 | +3.3% | $541,287 | $282,000 | $1,202 |
| Twin Falls County | $832,750 | +3.3% | $541,287 | $334,000 | $1,285 |
| Valley County | $832,750 | +3.3% | $615,250 | $535,000 | $1,249 |
| Washington County | $832,750 | +3.3% | $541,287 | $293,000 | $1,163 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 Idaho for 2026?
$832,750 in most counties; 1 high-cost county has higher limits, up to $1,249,125 in Teton County.
What is the FHA loan limit in Idaho?
From $541,287 to $1,249,125 for a single-family home in 2026, depending on the county.