FHA Loan Limits in Idaho (2026)
For 2026, the FHA loan limit in most Idaho counties is $541,287 for a single-family home. 1 higher-cost Idaho county carries a larger limit, up to $1,249,125.
FHA loan limits by county in Idaho
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Ada County | $705,000 | $902,595 | $1,355,945 | High-cost |
| Canyon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bannock County | $541,287 | $692,997 | $1,041,072 | Standard |
| Twin Falls County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bingham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Nez Perce County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Latah County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Elmore County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bonner County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cassia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Payette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gem County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jerome County | $541,287 | $692,997 | $1,041,072 | Standard |
| Minidoka County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kootenai County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bonneville County | $541,287 | $692,997 | $1,041,072 | Standard |
Idaho's median home price is roughly $460,000. With 3.5% down, an example FHA payment near that price is about $3,523/month including MIP, taxes, and insurance.
Buying with an FHA loan in Idaho
FHA loans are popular with first-time buyers in Idaho because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Idaho for 2026?
- Most Idaho counties use the national FHA floor of $541,287 for a one-unit home. High-cost Idaho counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Idaho?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.