FHA Loan Limits in Jefferson County, Idaho (2026)
Jefferson County and the rest of Jefferson 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 |
From Jefferson County to the edges of Jefferson County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Ada and Canyon Counties.
How much home can you afford in Jefferson County?
An FHA buyer near Jefferson County faces an estimated $480,000 median, a $16,800 down payment, and — after Idaho's 0.67% property tax — a monthly cost around $3,499. That suits household income of roughly $135,000, above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
Whether you are buying in Jefferson County or a smaller Jefferson 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 — $346,000 | $12,110 | $2,555 |
| Local median — $480,000 | $16,800 | $3,499 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Jefferson County too — get notified.
First-time buyers make up much of FHA activity in Jefferson County and across Jefferson County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $16,800 needed on a median Jefferson County home.
Multi-unit FHA limits in Jefferson County
Investors and house-hackers in Jefferson County and across Jefferson 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 Jefferson County for 2026?
- In Jefferson County (Jefferson 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 Jefferson County with FHA?
- For a median-priced ($480,000) Jefferson County home, plan on income around $135,000 at a 31% housing ratio — about $3,499/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $16,800 on a $480,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- No — Jefferson County uses the $541,287 national floor for one unit.