FHA Loan Limits in Ada County, Idaho (2026)
Ada County and the rest of Ada County, Idaho fall under a 2026 one-unit FHA limit of $705,000. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $705,000 |
| Two-unit (duplex) | $902,595 |
| Three-unit (triplex) | $1,091,089 |
| Four-unit (fourplex) | $1,355,945 |
From Ada County to the edges of Ada County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Canyon and Kootenai Counties.
How much home can you afford in Ada County?
Homes around Ada County carry an estimated local median near $510,000, so an FHA buyer in Ada County puts down about $17,850 (3.5%). With Idaho's 0.67% effective property-tax rate, the all-in payment runs near $3,710 a month — comfortable on household income around $144,000, above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Ada County
Here is what an FHA payment looks like at three Ada County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $367,000 | $12,845 | $2,703 |
| Local median — $510,000 | $17,850 | $3,710 |
| At the FHA limit — $705,000 | $24,675 | $5,084 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Ada County too — get notified.
First-time buyers make up much of FHA activity in Ada County and across Ada County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,850 needed on a median Ada County home.
Multi-unit FHA limits in Ada County
Looking at a duplex or fourplex near Ada County? FHA allows up to $902,595 on two units and $1,355,945 on four in Ada County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Ada County for 2026?
- In Ada County (Ada County), the 2026 FHA limit is $705,000 for one unit, $902,595 for a duplex, $1,091,089 for a triplex, and $1,355,945 for a fourplex.
- What income do I need to buy in Ada County with FHA?
- For a median-priced ($510,000) Ada County home, plan on income around $144,000 at a 31% housing ratio — about $3,710/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ada County?
- 3.5% with a 580+ score — roughly $17,850 on a $510,000 Ada County-area home. Gift funds are allowed.
- Is Ada County a high-cost FHA area?
- Yes — Ada County's $705,000 one-unit limit tops the $541,287 national floor.