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Idaho FHA loan limits are established by the Department of Housing and Urban Development (HUD) and are revisited each year. Here are the 2026 FHA loan limits for all counties in Idaho, and for all property types.
2026 | 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* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020.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.Idaho FHA loan limits are established by the Department of Housing and Urban Development (HUD) and are revisited each year. Below are the 2026 FHA loan limits for all counties in Idaho, and for all property types. They range from $541,287 to $1,249,125 for 1-unit properties in 2026.
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Note: In the table below, “1-unit” refers to a single-family home or condo. Two-units properties refer to duplexes with two separate residences, and so on. If you are buying a single-family home that will be your primary residence, refer to the 1-unit column below.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADA | $586,500 | $750,800 | $907,550 | $1,127,900 |
| ADAMS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BANNOCK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BEAR LAKE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BENEWAH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BINGHAM | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BLAINE | $759,000 | $971,650 | $1,174,500 | $1,459,650 |
| BOISE | $586,500 | $750,800 | $907,550 | $1,127,900 |
| BONNER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BONNEVILLE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BOUNDARY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BUTTE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CAMAS | $759,000 | $971,650 | $1,174,500 | $1,459,650 |
| CANYON | $586,500 | $750,800 | $907,550 | $1,127,900 |
| CARIBOU | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CASSIA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLARK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLEARWATER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CUSTER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ELMORE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FRANKLIN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FREMONT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GEM | $586,500 | $750,800 | $907,550 | $1,127,900 |
| GOODING | $541,287 | $693,050 | $837,700 | $1,041,125 |
| IDAHO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEFFERSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEROME | $541,287 | $693,050 | $837,700 | $1,041,125 |
| KOOTENAI | $572,700 | $733,150 | $886,200 | $1,101,350 |
| LATAH | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEMHI | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LEWIS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LINCOLN | $759,000 | $971,650 | $1,174,500 | $1,459,650 |
| MADISON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MINIDOKA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| NEZ PERCE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ONEIDA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| OWYHEE | $586,500 | $750,800 | $907,550 | $1,127,900 |
| PAYETTE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| POWER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SHOSHONE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| TETON | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| TWIN FALLS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| VALLEY | $615,250 | $787,650 | $952,050 | $1,183,200 |
| WASHINGTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
Every year, the Department of Housing and Urban Development (HUD) reviews the FHA loan limits is all counties in the nation and compares them to the average home price in each location. For the most part, the loan limits are increased every year in an effort to keep up with an increase in home prices.
Home prices in Idaho increased over the past year. As such, FHA loan limits in Idaho increased for 2026.
According to Zillow, a real estate information company, the median home price for Idaho increased by 0.7% to $460,823 as of December 2025. As such, FHA loan limits for Idaho are up for 2026.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
The Federal Housing Administration’s (FHA) loan program offers specific benefits that are unique to the program, including a low down payment option of just 3.5%. This Idaho FHA loan program is especially attractive to first-time home buyers who may find it more difficult to gather the funds needed for a large down payment.
If you are considering applying for an FHA home loan in 2026, or you are simply curious about FHA loan limits in Idaho, get in touch with Sammamish Mortgage today and we’ll help you choose the right type of loan that suits you best.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
FHA loan limits in Idaho set the maximum amount you can borrow with an FHA-insured mortgage, varying by county and property type.
Yes, limits vary by county to reflect local home price averages and cost of living.
Yes, HUD reviews and updates limits annually based on changes in median home prices.
Median home prices and housing market conditions in each county determine the limit.
No, but you can consider a conventional or jumbo mortgage if your loan exceeds FHA limits.
No, limits apply to the total loan amount before adding your required 3.5% down payment.
No, FHA loans are only for primary residences, not rentals or investments.
Borrowers typically need at least 3.5% down with a credit score of 580 or higher.
No, they increase with the number of units in the property (1–4 units).
Yes, FHA loans are especially popular among first-time buyers due to flexible requirements.
No, borrowers can hold only one active FHA loan at a time in most cases.
No, closing costs are separate and must be paid upfront or rolled into the total loan amount if allowed.
Possibly — if housing prices continue to rise, HUD may raise the limits again.
Yes, FHA loans are a strong option for buyers with modest credit or limited down payments looking to purchase within local loan limits.
Sammamish Mortgage helps Idaho borrowers navigate FHA loan limits by providing personalized guidance, loan comparisons, and expert advice to ensure they stay within eligible financing ranges.
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.