FHA Loan Limits in Jerome County, Idaho (2026)
From Jerome County, FHA buyers in Jerome County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Jerome County to the edges of Jerome County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Ada and Canyon Counties.
What can you buy with FHA in Jerome County?
An FHA buyer near Jerome County faces an estimated $525,000 median, a $18,375 down payment, and — after Idaho's 0.67% property tax — a monthly cost around $3,816. That suits household income of roughly $148,000, above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Jerome County
Here is what an FHA payment looks like at three Jerome County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $378,000 | $13,230 | $2,780 |
| Local median — $525,000 | $18,375 | $3,816 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Jerome County too — get notified.
First-time buyers make up much of FHA activity in Jerome County and across Jerome County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $18,375 needed on a median Jerome County home.
Multi-unit FHA limits in Jerome County
Looking at a duplex or fourplex near Jerome County? FHA allows up to $692,997 on two units and $1,041,072 on four in Jerome 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 Jerome County for 2026?
- In Jerome County (Jerome 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 Jerome County with FHA?
- For a median-priced ($525,000) Jerome County home, plan on income around $148,000 at a 31% housing ratio — about $3,816/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jerome County?
- 3.5% with a 580+ score — roughly $18,375 on a $525,000 Jerome County-area home. Gift funds are allowed.
- Is Jerome County a high-cost FHA area?
- No — Jerome County uses the $541,287 national floor for one unit.