FHA Loan Limits in Kootenai County, Idaho (2026)
Kootenai County and the rest of Kootenai 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 |
These 2026 limits apply throughout Kootenai County, from Kootenai County outward, and sit alongside the limits set for neighboring Ada and Canyon Counties.
How much home can you afford in Kootenai County?
With Kootenai County's median sale price estimated near $560,000 (think Kootenai County), the FHA down payment is roughly $18,945. Factoring Idaho property taxes near 0.67%, expect about $3,931 monthly, pointing to income near $152,000 — above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Kootenai County
Here is what an FHA payment looks like at three Kootenai County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $2,956 |
| Local median — $541,287 | $18,945 | $3,931 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Kootenai County too — get notified.
In Kootenai County and the surrounding Kootenai County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kootenai County
Looking at a duplex or fourplex near Kootenai County? FHA allows up to $692,997 on two units and $1,041,072 on four in Kootenai 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 Kootenai County for 2026?
- In Kootenai County (Kootenai 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 Kootenai County with FHA?
- For a median-priced ($541,287) Kootenai County home, plan on income around $152,000 at a 31% housing ratio — about $3,931/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kootenai County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Kootenai County-area home. Gift funds are allowed.
- Is Kootenai County a high-cost FHA area?
- No — Kootenai County uses the $541,287 national floor for one unit.