Idaho FHA Loan Limits for 2021 – All Counties

View limits for VA | FHA | conforming

Idaho FHA loan limits are established by the Department of Housing and Urban Development (HUD) and are revisited each year. Below are the 2021 FHA loan limits for all counties in Idaho, and for all property types. They were increased from 2020 to 2021 as a result of rising home prices.

See Our Flex-Cost Mortgage Options

Idaho FHA Loan Limits 2021

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 $415,150 $531,450 $642,400 $798,350
ADAMS $356,362 $456,275 $551,500 $685,400
BANNOCK $356,362 $456,275 $551,500 $685,400
BEAR LAKE $356,362 $456,275 $551,500 $685,400
BENEWAH $356,362 $456,275 $551,500 $685,400
BINGHAM $356,362 $456,275 $551,500 $685,400
BLAINE $646,300 $827,400 $1,000,100 $1,242,900
BOISE $415,150 $531,450 $642,400 $798,350
BONNER $356,362 $456,275 $551,500 $685,400
BONNEVILLE $356,362 $456,275 $551,500 $685,400
BOUNDARY $356,362 $456,275 $551,500 $685,400
BUTTE $356,362 $456,275 $551,500 $685,400
CAMAS $646,300 $827,400 $1,000,100 $1,242,900
CANYON $415,150 $531,450 $642,400 $798,350
CARIBOU $356,362 $456,275 $551,500 $685,400
CASSIA $356,362 $456,275 $551,500 $685,400
CLARK $356,362 $456,275 $551,500 $685,400
CLEARWATER $356,362 $456,275 $551,500 $685,400
CUSTER $356,362 $456,275 $551,500 $685,400
ELMORE $356,362 $456,275 $551,500 $685,400
FRANKLIN $356,362 $456,275 $551,500 $685,400
FREMONT $356,362 $456,275 $551,500 $685,400
GEM $415,150 $531,450 $642,400 $798,350
GOODING $356,362 $456,275 $551,500 $685,400
IDAHO $356,362 $456,275 $551,500 $685,400
JEFFERSON $356,362 $456,275 $551,500 $685,400
JEROME $356,362 $456,275 $551,500 $685,400
KOOTENAI $388,700 $497,600 $601,500 $747,500
LATAH $356,362 $456,275 $551,500 $685,400
LEMHI $356,362 $456,275 $551,500 $685,400
LEWIS $356,362 $456,275 $551,500 $685,400
LINCOLN $356,362 $456,275 $551,500 $685,400
MADISON $356,362 $456,275 $551,500 $685,400
MINIDOKA $356,362 $456,275 $551,500 $685,400
NEZ PERCE $356,362 $456,275 $551,500 $685,400
ONEIDA $356,362 $456,275 $551,500 $685,400
OWYHEE $415,150 $531,450 $642,400 $798,350
PAYETTE $356,362 $456,275 $551,500 $685,400
POWER $356,362 $456,275 $551,500 $685,400
SHOSHONE $356,362 $456,275 $551,500 $685,400
TETON $822,375 $1,053,000 $1,272,750 $1,581,750
TWIN FALLS $356,362 $456,275 $551,500 $685,400
VALLEY $379,500 $485,800 $587,250 $729,800
WASHINGTON $356,362 $456,275 $551,500 $685,400

Live Idaho Mortgage Rates May, 17, Mon, 2021

Rising Home Prices Result in Higher Loan Limits

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. This is exactly what happened from 2020 to 2021 with FHA loan limits in Idaho.

In December 2020, the HUD announced that it would be increasing Idaho FHA loan limits for 2021.

These changes are a response to the home-price gains that took place throughout 2020. In Idaho, property values across all counties have risen steadily in recent years. According to Zillow, a real estate information company, the median home price for Idaho increased by an astounding 12.5% from December 2019 to December 2020 to reach $323,274. As a result, FHA loan limits for Idaho are up for 2021.

Want to Apply for the FHA Loan Program?

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 2021, 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.

Get an Instant Mortgage Rate Quote Today

Need a Mortgage?

Sammamish Mortgage is a local mortgage company serving the broader Pacific Northwest region, including Washington state, Idaho, Colorado, and Oregon. We have been offering 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.

Begin your home loan process today! Our mortgage advisors are standing by. Request a free personalized rate quote. (425) 401-8787