Idaho Conforming Loan Limits in 2022 – All Counties

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This article includes the 2022 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 $647,200 for 2022, an increase from the 2021 limit. Some higher-priced counties, including Blaine, Camas, Teton counties, have higher single-family conforming loan limits for 2022. Blaine, Camas, Lincoln Counties have loan limits of $648,600, while Teton County has a 2022 loan limit of $970,800.

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2022 Conforming Loan Limits for Idaho

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 Name1-Unit2-Units3-Units4-Units
ADA$647,200$828,700$1,001,650$1,244,850
ADAMS$647,200$828,700$1,001,650$1,244,850
BANNOCK$647,200$828,700$1,001,650$1,244,850
BEAR LAKE$647,200$828,700$1,001,650$1,244,850
BENEWAH$647,200$828,700$1,001,650$1,244,850
BINGHAM$647,200$828,700$1,001,650$1,244,850
BLAINE$648,600$830,300$1,003,650$1,247,300
BOISE$647,200$828,700$1,001,650$1,244,850
BONNER$647,200$828,700$1,001,650$1,244,850
BONNEVILLE$647,200$828,700$1,001,650$1,244,850
BOUNDARY$647,200$828,700$1,001,650$1,244,850
BUTTE$647,200$828,700$1,001,650$1,244,850
CAMAS$648,600$830,300$1,003,650$1,247,300
CANYON$647,200$828,700$1,001,650$1,244,850
CARIBOU$647,200$828,700$1,001,650$1,244,850
CASSIA$647,200$828,700$1,001,650$1,244,850
CLARK$647,200$828,700$1,001,650$1,244,850
CLEARWATER$647,200$828,700$1,001,650$1,244,850
CUSTER$647,200$828,700$1,001,650$1,244,850
ELMORE$647,200$828,700$1,001,650$1,244,850
FRANKLIN$647,200$828,700$1,001,650$1,244,850
FREMONT$647,200$828,700$1,001,650$1,244,850
GEM$647,200$828,700$1,001,650$1,244,850
GOODING$647,200$828,700$1,001,650$1,244,850
IDAHO$647,200$828,700$1,001,650$1,244,850
JEFFERSON$647,200$828,700$1,001,650$1,054,500
JEROME$647,200$828,700$1,001,650$1,054,500
KOOTENAI$647,200$828,700$1,001,650$1,054,500
LATAH$647,200$828,700$1,001,650$1,054,500
LEMHI$647,200$828,700$1,001,650$1,054,500
LEWIS$647,200$828,700$1,001,650$1,054,500
LINCOLN$647,200$828,700$1,001,650$1,202,925
MADISON$647,200$828,700$1,001,650$1,244,850
MINIDOKA$647,200$828,700$1,001,650$1,244,850
NEZ PERCE$647,200$828,700$1,001,650$1,244,850
ONEIDA$647,200$828,700$1,001,650$1,244,850
OWYHEE$647,200$828,700$1,001,650$1,244,850
PAYETTE$647,200$828,700$1,001,650$1,244,850
POWER$647,200$828,700$1,001,650$1,244,850
SHOSHONE$647,200$828,700$1,001,650$1,244,850
TETON$970,800$1,243,050$1,502,475$1,867,275
TWIN FALLS$647,200$828,700$1,001,650$1,244,850
VALLEY$647,200$828,700$1,001,650$1,244,850
WASHINGTON$647,200$828,700$1,001,650$1,244,850

How Loan Limits Are Established

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 2022 conforming limit for most counties in Idaho is $647,200. 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.

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Why Loan Limits Increased for 2022

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 limits (CLLs) for mortgages to be acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2022. In most of the U.S., the 2022 CLL for one-unit properties will be $647,200, an increase of $98,950 from $548,250 in 2021.”

As such, most Idaho and US counties are seeing higher conforming loan limits this year in comparison to 2021. Home prices across the nation increased by roughly 19.2% throughout 2021. In Idaho, home prices saw an increase in 2021 by 38.2%. This is why we are seeing higher conforming loan limits in Idaho for 2022.

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