FHA Loan Limits in Payette County, Idaho (2026)
From Payette County, FHA buyers in Payette 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 |
Every community in Payette County — Payette County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Ada and Canyon Counties.
What can you buy with FHA in Payette County?
With Payette County's median sale price estimated near $386,000 (think Payette County), the FHA down payment is roughly $13,510. Factoring Idaho property taxes near 0.67%, expect about $2,837 monthly, pointing to income near $110,000 — above Idaho's $70,214 median household income, so budget carefully.
FHA payment scenarios in Payette County
FHA payments across Payette County price points — from entry homes near Payette County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $278,000 | $9,730 | $2,076 |
| Local median — $386,000 | $13,510 | $2,837 |
| At the FHA limit — $541,287 | $18,945 | $3,931 |
Estimates include FHA MIP plus Idaho property taxes and insurance. Rates move daily near Payette County too — get notified.
Buyers across Payette County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,510 down payment near Payette County into little out of pocket.
Multi-unit FHA limits in Payette County
Payette County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Payette County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Payette County for 2026?
- In Payette County (Payette 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 Payette County with FHA?
- For a median-priced ($386,000) Payette County home, plan on income around $110,000 at a 31% housing ratio — about $2,837/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Payette County?
- 3.5% with a 580+ score — roughly $13,510 on a $386,000 Payette County-area home. Gift funds are allowed.
- Is Payette County a high-cost FHA area?
- No — Payette County uses the $541,287 national floor for one unit.