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This article includes the 2023 conforming loan limits for all counties in the state of Idaho, along with information regarding why these limits are set. Mortgages that are higher than the maximum amounts displayed below are considered “jumbo” loans.
The 1-unit (single-family) conforming loan limit for the majority of counties in Idaho is set at $726,200 for 2023, an increase from the 2022 limit. Some higher-priced counties, including Blaine, Camas, and Teton counties, have higher single-family conforming loan limits for 2023. Blaine and Camas counties have loan limits of $740,600, while Teton County has a 2023 loan limit of $1,089,300.
The below table outlines s conforming loan limits for all counties across Idaho, for all property types. Please note that a 1-unit property refers to a single-family home, a 2-unit property applies to duplex properties, and so forth. If you are thinking of purchasing a single-family home or condo in Idaho, refer to the 1-unit column below.
| County Name | 1-Unit | 2-Units | 3-Units | 4-Units |
| ADA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ADAMS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BANNOCK | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BEAR LAKE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BENEWAH | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BINGHAM | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BLAINE | $740,600 | $948,100 | $1,146,050 | $1,424,250 |
| BOISE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BONNER | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BONNEVILLE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BOUNDARY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BUTTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CAMAS | $740,600 | $948,100 | $1,146,050 | $1,424,250 |
| CANYON | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CARIBOU | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CASSIA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CLARK | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CLEARWATER | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CUSTER | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ELMORE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FRANKLIN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FREMONT | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GEM | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GOODING | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| IDAHO | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JEFFERSON | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JEROME | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KOOTENAI | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LATAH | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LEMHI | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LEWIS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LINCOLN | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MADISON | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MINIDOKA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| NEZ PERCE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONEIDA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OWYHEE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PAYETTE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| POWER | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SHOSHONE | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TETON | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| TWIN FALLS | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| VALLEY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WASHINGTON | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
The Federal Housing Finance Agency (FHFA) determines loan limits in Idaho and other states across the US. The FHFA is required to keep tabs on average home prices in the nation and to adjust the baseline conforming loan limit every year as needed to reflect changes in home prices.
In other words, if home prices increase by a certain amount in a certain county, the FHFA may boost the loan limits to keep up with increasing home values. Conforming limits are typically set at 115% of the average home price for each area, though they can go over this level in certain high-cost locations.
The 2023 conforming limit for most counties in Idaho is $726,200. The three exceptions to this baseline amount are Blaine, Camas, Teton counties. (See the table above for county-by-county details.)
Over the recent past, the FHFA has used home values estimated by the Federal Housing Administration (FHA), which is a part of HUD, so there are many federal housing agencies that have a hand in establishing loan limits.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
Generally speaking, loan limits are increased to reflect an increase in home prices across the state and country. In order to accommodate higher home prices, conforming loan limits are increased. That said, loan limits aren’t automatically increased for every county. Some county loan limits may stay the same, while others may even be decreased.
According to FHFA’s recent news release:
“The Federal Housing Finance Agency (FHFA) today announced the conforming loan limit values (CLLs) for mortgages to be acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2023. In most of the United States, the 2023 CLL value for one-unit properties will be $726,200, an increase of $79,000 from $647,200 in 2022.”
As such, most Idaho and US counties are seeing higher conforming loan limits this year in comparison to 2022. Home prices across the nation increased by roughly 13.5% throughout 2022. In Idaho, home prices saw an increase in 2022 by 4%. This is why we are seeing higher conforming loan limits in Idaho for 2023.
Sammamish Mortgage is a local mortgage company serving the broader Pacific Northwest region, including Washington state, Idaho, Colorado, and Oregon. We are proud to offer a wide variety of mortgage programs and products with flexible qualification criteria since 1992. Please contact us if you have any questions or are ready to apply for a home loan.
Whether you’re buying a home or ready to refinance, our professionals can help.
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