Idaho FHA Loan Limits for 2024 - All Counties

Idaho FHA loan limits are established by the Department of Housing and Urban Development (HUD) and are revisited each year. Here are the 2024 FHA loan limits for all counties in Idaho, and for all property types.

  • Conforming Loan Limit
    $
  • FHA Loan Limit
    $
  • VA Loan Limit
Idaho FHA Loan Limits for 2024 – All Counties

2024 | 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* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020.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.
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Idaho FHA loan limits are established by the Department of Housing and Urban Development (HUD) and are revisited each year. Below are the 2024 FHA loan limits for all counties in Idaho, and for all property types. They range from $498,257 to $1,149,825 for 1-unit properties in 2024.

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Idaho FHA Loan Limits 2024

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 Name1 Unit2 Units3 Units4 Units
ADA$586,500$750,800$907,550$1,127,900
ADAMS$498,257$637,950$771,125$958,350
BANNOCK$498,257$637,950$771,125$958,350
BEAR LAKE$498,257$637,950$771,125$958,350
BENEWAH$498,257$637,950$771,125$958,350
BINGHAM$498,257$637,950$771,125$958,350
BLAINE$759,000$971,650$1,174,500$1,459,650
BOISE$586,500$750,800$907,550$1,127,900
BONNER$523,250$669,850$809,700$1,006,250
BONNEVILLE$498,257$637,950$771,125$958,350
BOUNDARY$498,257$637,950$771,125$958,350
BUTTE$498,257$637,950$771,125$958,350
CAMAS$759,000$971,650$1,174,500$1,459,650
CANYON$586,500$750,800$907,550$1,127,900
CARIBOU$498,257$637,950$771,125$958,350
CASSIA$498,257$637,950$771,125$958,350
CLARK$498,257$637,950$771,125$958,350
CLEARWATER$498,257$637,950$771,125$958,350
CUSTER$498,257$637,950$771,125$958,350
ELMORE$498,257$637,950$771,125$958,350
FRANKLIN$498,257$637,950$771,125$958,350
FREMONT$498,257$637,950$771,125$958,350
GEM$586,500$750,800$907,550$1,127,900
GOODING$498,257$637,950$771,125$958,350
IDAHO$498,257$637,950$771,125$958,350
JEFFERSON$498,257$637,950$771,125$958,350
JEROME$498,257$637,950$771,125$958,350
KOOTENAI$572,700$733,150$886,200$1,101,350
LATAH$498,257$637,950$771,125$958,350
LEMHI$498,257$637,950$771,125$958,350
LEWIS$498,257$637,950$771,125$958,350
LINCOLN$498,257$637,950$771,125$958,350
MADISON$498,257$637,950$771,125$958,350
MINIDOKA$498,257$637,950$771,125$958,350
NEZ PERCE$498,257$637,950$771,125$958,350
ONEIDA$498,257$637,950$771,125$958,350
OWYHEE$586,500$750,800$907,550$1,127,900
PAYETTE$498,257$637,950$771,125$958,350
POWER$498,257$637,950$771,125$958,350
SHOSHONE$498,257$637,950$771,125$958,350
TETON$1,149,825$1,472,250$1,779,525$2,211,600
TWIN FALLS$498,257$637,950$771,125$958,350
VALLEY$573,850$734,650$888,000$1,103,550
WASHINGTON$498,257$637,950$771,125$958,350

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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.

But home prices in Idaho actually decreased over the past year. Despite this, FHA loan limits in Idaho increased for 2024.

According to Zillow, a real estate information company, the median home price for Idaho decreased by 4.8% to $442,087 as of December 2023. Nevertheless, FHA loan limits for Idaho are up for 2024.

Check out our mortgage loan limit tool for conventional, FHA, and VA loans.

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 2024, 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.

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At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer ProgramCash 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.

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