Stewardship Capital
The conforming and FHA loan limits for all 44 counties in Idaho, effective for 2026. Conforming limits come from the Federal Housing Finance Agency, FHA limits from HUD.
Baseline conforming
$832,750
One unit, most counties
Highest in Idaho
$1,249,125
Teton County
FHA range
$541,287 – $1,249,125
One unit, by county
One of Idaho's 44 counties is designated high-cost, which means the conforming limit there is above the national baseline. The highest in the state is Teton County at $1,249,125 for a one-unit home.
| 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 |
Not sure which limit applies to your purchase? Stewardship Capital works with buyers and homeowners in Idaho. Talk it through with Stephen.
The baseline conforming loan limit in Idaho for 2026 is $832,750 for a one-unit home. In Teton County, the one county in Idaho designated high-cost, it is $1,249,125.
FHA loan limits in Idaho range from $541,287 to $1,249,125 for a one-unit home, depending on the county. The national FHA floor is $541,287 and the ceiling is $1,249,125.
A high balance loan is a conforming loan in a county whose limit is above the national baseline of $832,750. It still follows Fannie Mae and Freddie Mac guidelines, so it is not a jumbo loan, though it usually prices a little differently.
A loan above the county's conforming limit is a jumbo loan. Jumbo loans are held by individual investors rather than bought by Fannie Mae or Freddie Mac, so the qualifying guidelines are set by each investor and tend to be stricter on credit, reserves and down payment.
Yes, and they are higher. Every county has four limits, one for each size of property from one unit up to four units. The figures on this page are the one-unit limits, which is what most buyers need.
About these numbers. Conforming limits are published each year by the Federal Housing Finance Agency and apply to loans bought by Fannie Mae and Freddie Mac. FHA limits are published by the U.S. Department of Housing and Urban Development. Both are effective for 2026. Limits are set by county and by the number of units, and they are not a quote, a commitment to lend or an offer of credit. Stephen Chakerian, NMLS #2193331 | Stewardship Capital, a team of Barrett Financial Group, L.L.C., NMLS #181106 | Equal Housing Opportunity.
