FHA Loan Limits in Cassia County, Idaho (2026)
Cassia County and the rest of Cassia 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 Cassia County — Cassia 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 Cassia County?
Homes around Cassia County carry an estimated local median near $418,000, so an FHA buyer in Cassia County puts down about $14,630 (3.5%). With Idaho's 0.67% effective property-tax rate, the all-in payment runs near $3,062 a month — comfortable on household income around $119,000, above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Cassia County
Whether you are buying in Cassia County or a smaller Cassia County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $301,000 | $10,535 | $2,238 |
| Local median — $418,000 | $14,630 | $3,062 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Cassia County too — get notified.
Buyers across Cassia County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $14,630 down payment near Cassia County into little out of pocket.
Multi-unit FHA limits in Cassia County
Investors and house-hackers in Cassia County and across Cassia County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Cassia County for 2026?
- In Cassia County (Cassia 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 Cassia County with FHA?
- For a median-priced ($418,000) Cassia County home, plan on income around $119,000 at a 31% housing ratio — about $3,062/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cassia County?
- 3.5% with a 580+ score — roughly $14,630 on a $418,000 Cassia County-area home. Gift funds are allowed.
- Is Cassia County a high-cost FHA area?
- No — Cassia County uses the $541,287 national floor for one unit.