2026 loan limits in Idaho
1 of Idaho’s 44 counties are high-cost areas with conforming limits above the $832,750 baseline. The rest use the national limits.
One-unit limits by county
| County | Conforming | FHA |
|---|---|---|
| Ada County | $832,750 | $586,500 |
| Adams County | $832,750 | $541,287 |
| Bannock County | $832,750 | $541,287 |
| Bear Lake County | $832,750 | $541,287 |
| Benewah County | $832,750 | $541,287 |
| Bingham County | $832,750 | $541,287 |
| Blaine County | $832,750 | $759,000 |
| Boise County | $832,750 | $586,500 |
| Bonner County | $832,750 | $541,287 |
| Bonneville County | $832,750 | $541,287 |
| Boundary County | $832,750 | $541,287 |
| Butte County | $832,750 | $541,287 |
| Camas County | $832,750 | $759,000 |
| Canyon County | $832,750 | $586,500 |
| Caribou County | $832,750 | $541,287 |
| Cassia County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clearwater County | $832,750 | $541,287 |
| Custer County | $832,750 | $541,287 |
| Elmore County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fremont County | $832,750 | $541,287 |
| Gem County | $832,750 | $586,500 |
| Gooding County | $832,750 | $541,287 |
| Idaho County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jerome County | $832,750 | $541,287 |
| Kootenai County | $832,750 | $572,700 |
| Latah County | $832,750 | $541,287 |
| Lemhi County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $759,000 |
| Madison County | $832,750 | $541,287 |
| Minidoka County | $832,750 | $541,287 |
| Nez Perce County | $832,750 | $541,287 |
| Oneida County | $832,750 | $541,287 |
| Owyhee County | $832,750 | $586,500 |
| Payette County | $832,750 | $541,287 |
| Power County | $832,750 | $541,287 |
| Shoshone County | $832,750 | $541,287 |
| Teton County | $1,249,125 | $1,249,125 |
| Twin Falls County | $832,750 | $541,287 |
| Valley County | $832,750 | $615,250 |
| Washington County | $832,750 | $541,287 |
More for Idaho
Limits for 2026 from HUD’s county files; conforming limits are set by the Federal Housing Finance Agency.