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2026 Idaho loan limits by county
Idaho has 44 counties in the 2026 FHFA list. The highest one-unit conforming limit is $1,249,125 in Teton County; the state median is $832,750. 1 of 44 are above the $832,750 national baseline. 33 sit at the 2026 FHA floor of $541,287.
- 44Counties listed
- $1,249,125Highest 1-unit conformingTeton County
- $832,750Median 1-unit conforming
- 33At FHA floorof 44
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Ada County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Adams County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bannock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bear Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Benewah County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bingham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Blaine County | $832,750 | +$26,250 (+3.3%) | $759,000 | $1,601,750 |
| Boise County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Bonner County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bonneville County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boundary County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Butte County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Camas County | $832,750 | +$26,250 (+3.3%) | $759,000 | $1,601,750 |
| Canyon County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Caribou County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cassia County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clearwater County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Custer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Elmore County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fremont County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gem County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Gooding County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Idaho County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jerome County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kootenai County | $832,750 | +$26,250 (+3.3%) | $572,700 | $1,601,750 |
| Latah County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lemhi County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lewis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $759,000 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Minidoka County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nez Perce County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oneida County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Owyhee County | $832,750 | +$26,250 (+3.3%) | $586,500 | $1,601,750 |
| Payette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Power County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shoshone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Teton County | $1,249,125 | +$39,375 (+3.3%) | $1,249,125 | $2,402,625 |
| Twin Falls County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Valley County | $832,750 | +$26,250 (+3.3%) | $615,250 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.