FHA Loan Limits in Latah County, Idaho (2026)
Latah County and the rest of Latah 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 Latah County — Latah 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 Latah County?
An FHA buyer near Latah County faces an estimated $453,000 median, a $15,855 down payment, and — after Idaho's 0.67% property tax — a monthly cost around $3,309. That suits household income of roughly $128,000, above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Latah County
Here is what an FHA payment looks like at three Latah County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $326,000 | $11,410 | $2,414 |
| Local median — $453,000 | $15,855 | $3,309 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Latah County too — get notified.
Buyers across Latah County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $15,855 down payment near Latah County into little out of pocket.
Multi-unit FHA limits in Latah County
Looking at a duplex or fourplex near Latah County? FHA allows up to $692,997 on two units and $1,041,072 on four in Latah County, with the same low 3.5% down for owner-occupants.
Never Miss an FHA Rate Change
Rates move daily and FHA rules change often. We will tell you the moment something shifts.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Latah County for 2026?
- In Latah County (Latah 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 Latah County with FHA?
- For a median-priced ($453,000) Latah County home, plan on income around $128,000 at a 31% housing ratio — about $3,309/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Latah County?
- 3.5% with a 580+ score — roughly $15,855 on a $453,000 Latah County-area home. Gift funds are allowed.
- Is Latah County a high-cost FHA area?
- No — Latah County uses the $541,287 national floor for one unit.