The 2026 FHA loan limit for a single-family home in the Boise area is $586,500, and it applies across Ada, Boise, Canyon, Gem, and Owyhee counties. If you plan to use an FHA loan, this county-based cap matters most when the home you want or the loan amount you need gets close to that limit, because it can affect which financing options fit your purchase.
Federal housing officials announced in December 2025 that FHA loan limits for most counties in the country would be increased in 2026. But in the Boise area, the FHA limit did not change.
In the Boise area, the FHA loan limit for a single-family home will remain at $586,500 in 2026. This number applies to all of Ada, Boise, Canyon, Gem, and Owyhee counties, as outlined in the chart below:
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADA | $586,500 | $750,800 | $907,550 | $1,127,900 |
| BOISE | $586,500 | $750,800 | $907,550 | $1,127,900 |
| CANYON | $586,500 | $750,800 | $907,550 | $1,127,900 |
| GEM | $586,500 | $750,800 | $907,550 | $1,127,900 |
| OWYHEE | $586,500 | $750,800 | $907,550 | $1,127,900 |
These counties will have higher loan limits than most of the centers in the state because of higher home values across the Boise area. Most other counties in Idaho will have lower limits than Boise in 2026, with the exception of the following counties: Blaine, Camas, and Teton (see chart below).
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| BLAINE | $759,000 | $971,650 | $1,174,500 | $1,459,650 |
| CAMAS | $759,000 | $971,650 | $1,174,500 | $1,459,650 |
| TETON | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
FHA loan limits went up for most counties in Idaho.
The new limits will apply to FHA loans as of January 1, 2026, and they will remain unchanged until the end of the year. (These loan limits are generally revisited at the end of every year and modified when increasing home prices warrant it.)
Check out our mortgage loan limit tool for conventional, FHA, and VA loans, as well as the 2026 FHA loan limits for Idaho.
Sammamish Mortgage can help. We serve clients across Washington, Idaho, Colorado, Oregon, and California. Since 1992, we’ve been providing several mortgage programs and products with flexible qualification criteria to borrowers across the Pacific Northwest. Visit our website to get an instant rate quote or to use our online mortgage calculator. Or, reach out to us if you are ready to get pre-approved for a mortgage.
The 2026 FHA loan limit for a single-family home in the Boise area is $586,500.
No. The Boise-area FHA loan limit remained unchanged at $586,500 for 2026.
The $586,500 single-family FHA loan limit applies across Ada, Boise, Canyon, Gem, and Owyhee counties.
For a single-family home, the maximum FHA loan amount in the Boise area for 2026 is $586,500.
It applies to the loan amount. The county-based FHA cap matters most when the home you want or the loan amount you need gets close to that limit.
No. FHA loan limits vary by county. The Boise area has higher limits than most Idaho counties in 2026, with Blaine, Camas, and Teton also noted as exceptions to the lower-limit pattern.
These counties have higher loan limits than most of the state because home values across the Boise area are higher.
The 2026 FHA loan limits apply to FHA loans as of January 1, 2026.
They will remain in effect through the end of 2026.
If your purchase or needed loan amount gets close to or exceeds the FHA limit, it can affect which financing options fit your purchase.
Our loan officers are ready and waiting to help you apply for your home loan.
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