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Learn All About the 2025 Conforming Loan Limits for Various Property Types in Idaho. Includes all Counties, Contact Sammamish Mortgage Today for a Personalized Quote!
2025 | Boise County | 1-Unit (Single Family)
* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020. Lenders may impose their own limits, however. Ask your lender about their maximum VA loan amount before applying.This article includes the 2025 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 $806,500 for 2025, an increase from the 2024 limit.
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 | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| ADAMS | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BANNOCK | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BEAR LAKE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BENEWAH | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BINGHAM | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BLAINE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BOISE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BONNER | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BONNEVILLE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BOUNDARY | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| BUTTE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CAMAS | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CANYON | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CARIBOU | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CASSIA | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CLARK | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CLEARWATER | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| CUSTER | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| ELMORE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| FRANKLIN | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| FREMONT | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| GEM | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| GOODING | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| IDAHO | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| JEFFERSON | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| JEROME | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| KOOTENAI | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| LATAH | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| LEMHI | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| LEWIS | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| LINCOLN | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| MADISON | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| MINIDOKA | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| NEZ PERCE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| ONEIDA | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| OWYHEE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| PAYETTE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| POWER | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| SHOSHONE | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| TETON | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| TWIN FALLS | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| VALLEY | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
| WASHINGTON | $806,500 | $1,032,650 | $1,248,150 | $1,551,250 |
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 2025 conforming limit for most counties in Idaho is $806,500. The only exception to this baseline amount is Teton county. (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 acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2025. In most of the United States, the 2025 CLL value for one-unit properties will be $806,500, an increase of $39,950 (or 5.2 percent) from 2024.”
As such, most Idaho and US counties are seeing higher conforming loan limits this year in comparison to 2024. Home prices across the nation increased by roughly 2.6% throughout 2024. In Idaho, home prices saw an increase in 2024 by 2.0%.
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.
Yes, loan limits differ across Idaho’s counties based on local housing costs.
A jumbo loan in Idaho is any mortgage that exceeds the county’s conforming loan limit.
Yes, many lenders, like Sammamish Mortgage, offer jumbo loans for high-value properties throughout Idaho.
VA loans no longer have official limits, but lenders may set their own maximums.
Mortgage insurance is required for FHA loans and conventional loans with less than 20% down.
Yes, refinancing is available statewide to adjust rates or loan terms.
Most lenders in Idaho allow borrowers to lock in interest rates during the application process.
Yes, many loan programs in Idaho accept gift money from approved sources.
Yes, but you’ll need to provide detailed financial documentation like tax returns.
Yes, but lenders may require bank statements or other proof of consistent deposits.
Some lenders, like Sammamish Mortgage, offer bridge loans to help buyers transition between homes.
Sammamish Mortgage jumbo loans feature competitive rates, $1 lender fees, in-house underwriting, and tailored support for high-value home purchases in Idaho, as well as the broader Pacific Northwest.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.