Idaho · FIPS 16045

2026 loan limits in Gem County, Idaho

The 2026 conforming loan limit for a one-unit home in Gem County is $832,750, which is the national baseline. The 2026 FHA limit is $586,500 (a high-cost FHA area).

$832,750Conforming, 1 unit (2026)+$26,250 (+3.3%) vs 2025
$586,500FHA, 1 unit (2026)no change vs 2025
$832,750VA, partial entitlement basisFull entitlement: no limit
2 of 44Rank in Idahoby one-unit conforming limit

How much home do these limits cover?

Change any value. Results update as you type. Payments are principal and interest only; taxes, insurance and mortgage insurance are extra.

Property type

Down payment (%)

Interest rate (%)

Default: Freddie Mac PMMS 30-year average, week of October 29, 2026.

Term (years)

Largest loan and home price before you need a jumbo or non-FHA loan
Program	Loan limit	Max price at your down payment	Payment at the limit
Conforming (2026)	$832,750	$925,278	$5,675/mo
FHA (2026)	$586,500	$651,667	$3,997/mo

VA loan: remaining entitlement

VA entitlement already in use ($)

Enter 0 if you have full entitlement. Your Certificate of Eligibility shows this number.

Remaining entitlement

Full entitlement

Largest $0-down VA loan

No VA loan limit applies

VA formula: 25% × the 2026 one-unit conforming limit ($832,750) − entitlement in use. Lenders often cap $0-down loans at 4× remaining entitlement (VA Circular 26-25-10).

Gem County loan limits by number of units
Property	Conforming 2026	Conforming 2025	Change	FHA 2026	FHA 2025
1 unit	$832,750	$806,500	+$26,250 (+3.3%)	$586,500	$586,500
2 units	$1,066,250	$1,032,650	+$33,600 (+3.3%)	$750,800	$750,800
3 units	$1,288,800	$1,248,150	+$40,650 (+3.3%)	$907,550	$907,550
4 units	$1,601,750	$1,551,250	+$50,500 (+3.3%)	$1,127,900	$1,127,900

How Gem County compares

Idaho median one-unit conforming limit: $832,750 across 44 counties. This county is equal to the state median.
National baseline for 2026: $832,750; high-cost ceiling: $1,249,125. This county is at the baseline.
HUD area: Boise City, ID (CBSA 14260). Median sale price HUD used to set the 2026 FHA limit: $491,000.

Other counties in the same metro area

Counties in one metro area share one conforming limit.

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.
HUD CY2025 FHA limits file, dated March 6, 2025.
U.S. Department of Veterans Affairs, VA Circular 26-25-10, December 1, 2025; VA home loan limits.
Freddie Mac Primary Mortgage Market Survey, 30-year fixed average for the week of October 29, 2026: 7.24%.

Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.

All Idaho counties · How these limits are set