FHA Loan Limits in Bonneville County, Idaho (2026)
Bonneville County and the rest of Bonneville County, Idaho fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Bonneville County — Bonneville County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Ada and Canyon Counties.
How much home can you afford in Bonneville County?
An FHA buyer near Bonneville County faces an estimated $380,000 median, a $13,300 down payment, and — after Idaho's 0.67% property tax — a monthly cost around $2,794. That suits household income of roughly $108,000, above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Bonneville County
Here is what an FHA payment looks like at three Bonneville County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $274,000 | $9,590 | $2,047 |
| Local median — $380,000 | $13,300 | $2,794 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Bonneville County too — get notified.
Buyers across Bonneville County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,300 down payment near Bonneville County into little out of pocket.
Multi-unit FHA limits in Bonneville County
Looking at a duplex or fourplex near Bonneville County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bonneville 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 Bonneville County for 2026?
- In Bonneville County (Bonneville County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bonneville County with FHA?
- For a median-priced ($380,000) Bonneville County home, plan on income around $108,000 at a 31% housing ratio — about $2,794/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bonneville County?
- 3.5% with a 580+ score — roughly $13,300 on a $380,000 Bonneville County-area home. Gift funds are allowed.
- Is Bonneville County a high-cost FHA area?
- No — Bonneville County uses the $541,287 national floor for one unit.