2026 FHA Loan Limits in Idaho

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FHA loans offer Idaho homebuyers a flexible route to homeownership, with low down payments and lenient credit requirements. However, FHA-backed mortgages are capped by loan limits. For 2026, Idaho’s FHA loan limits for single-family homes range from $541,287 to $1,249,125, depending on the county.

Here’s what you need to know about qualifying for an FHA loan in Idaho and how much you may be able to borrow where you live.

Idaho FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ADA COUNTY	$586,500	$750,800	$907,550	$1,127,900	$491,000
ADAMS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$355,000
BANNOCK COUNTY	$541,287	$693,050	$837,700	$1,041,125	$331,000
BEAR LAKE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$334,000
BENEWAH COUNTY	$541,287	$693,050	$837,700	$1,041,125	$250,000
BINGHAM COUNTY	$541,287	$693,050	$837,700	$1,041,125	$336,000
BLAINE COUNTY	$759,000	$971,650	$1,174,500	$1,459,650	$657,000
BOISE COUNTY	$586,500	$750,800	$907,550	$1,127,900	$491,000
BONNER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$440,000
BONNEVILLE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$410,000
BOUNDARY COUNTY	$541,287	$693,050	$837,700	$1,041,125	$345,000
BUTTE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$410,000
CAMAS COUNTY	$759,000	$971,650	$1,174,500	$1,459,650	$657,000
CANYON COUNTY	$586,500	$750,800	$907,550	$1,127,900	$491,000
CARIBOU COUNTY	$541,287	$693,050	$837,700	$1,041,125	$290,000
CASSIA COUNTY	$541,287	$693,050	$837,700	$1,041,125	$314,000
CLARK COUNTY	$541,287	$693,050	$837,700	$1,041,125	$274,000
CLEARWATER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$232,000
CUSTER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$298,000
ELMORE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$348,000
FRANKLIN COUNTY	$541,287	$693,050	$837,700	$1,041,125	$425,000
FREMONT COUNTY	$541,287	$693,050	$837,700	$1,041,125	$384,000
GEM COUNTY	$586,500	$750,800	$907,550	$1,127,900	$491,000
GOODING COUNTY	$541,287	$693,050	$837,700	$1,041,125	$280,000
IDAHO COUNTY	$541,287	$693,050	$837,700	$1,041,125	$284,000
JEFFERSON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$410,000
JEROME COUNTY	$541,287	$693,050	$837,700	$1,041,125	$334,000
KOOTENAI COUNTY	$572,700	$733,150	$886,200	$1,101,350	$498,000
LATAH COUNTY	$541,287	$693,050	$837,700	$1,041,125	$398,000
LEMHI COUNTY	$541,287	$693,050	$837,700	$1,041,125	$314,000
LEWIS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$253,000
LINCOLN COUNTY	$759,000	$971,650	$1,174,500	$1,459,650	$657,000
MADISON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$384,000
MINIDOKA COUNTY	$541,287	$693,050	$837,700	$1,041,125	$314,000
NEZ PERCE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$357,000
ONEIDA COUNTY	$541,287	$693,050	$837,700	$1,041,125	$401,000
OWYHEE COUNTY	$586,500	$750,800	$907,550	$1,127,900	$491,000
PAYETTE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$335,000
POWER COUNTY	$541,287	$693,050	$837,700	$1,041,125	$278,000
SHOSHONE COUNTY	$541,287	$693,050	$837,700	$1,041,125	$282,000
TETON COUNTY	$1,249,125	$1,599,375	$1,933,200	$2,402,625	$1,740,000
TWIN FALLS COUNTY	$541,287	$693,050	$837,700	$1,041,125	$334,000
VALLEY COUNTY	$615,250	$787,650	$952,050	$1,183,200	$535,000
WASHINGTON COUNTY	$541,287	$693,050	$837,700	$1,041,125	$293,000

How are FHA loan limits determined?

The Federal Housing Administration (FHA) updates loan limits each year using a formula established by the National Housing Act. The formula uses median home prices and location data to set borrowing limits nationwide. Limits are grouped into three categories — low-cost, high-cost and special exception areas — and vary by property size, from one- to four-unit homes.

FHA loan limits are also tied to the conforming loan limit set by the Federal Housing Finance Agency (FHFA) for conventional (non-government) loans backed by Fannie Mae and Freddie Mac. In general, the FHA floor, the lowest FHA loan limit, is 65% of the conforming loan limit, and the ceiling, the highest FHA loan limit, is 150%.

In Idaho, most counties follow the FHA floor limit of $541,287 for a single-family home. Higher-cost areas have limits between the floor and ceiling. Teton County has the state’s highest FHA loan limit, at the ceiling price of $1,249,125.

How to qualify for an FHA loan in Idaho

To qualify for an FHA loan in Idaho, borrowers must meet the FHA’s minimum mortgage requirements. Lenders may impose additional qualifications, but these are the baseline expectations:

Minimum credit score of 500 or 580: FHA lenders will accept credit scores as low as 500, but you’ll need a score of 580 or higher if you plan to make the minimum 3.5% down payment. Borrowers with credit scores between 500 and 579 will need to make a down payment of at least 10%.
Minimum 3.5% down payment: You can qualify with a down payment as low as 3.5% if your credit score is 580 or higher. If your score is between 500 and 579, you must make a minimum down payment of 10%.
Maximum 43% debt-to-income (DTI) ratio: Your DTI ratio represents the percentage of your gross income that goes toward your monthly debt payments, including your mortgage. Generally, FHA lenders prefer DTI ratios below 43%; however, lenders may make exceptions if you have substantial cash reserves, for example.
Employment history: FHA loans do not have income restrictions, but lenders will generally request documentation, such as paystubs and W-2s, from jobs you’ve held over the past two years.
Home appraisal: Every property secured by an FHA loan must undergo an FHA appraisal, which assesses the home’s market value and confirms that it meets FHA standards.
Mortgage insurance: You’ll pay two types of FHA mortgage insurance: an upfront premium of 1.75% of the loan amount (typically financed into your loan) and an annual mortgage insurance premium of 0.15% to 0.75% (included with your monthly mortgage payments).
Primary residence: You must live in the home as your primary residence for at least one year. FHA loans cannot be used for second homes or vacation properties.

Buying a multifamily property with an FHA loan

The FHA loan program allows borrowers to purchase a multifamily home of two to four units with just 3.5% down. Designed for homeowners who plan to occupy at least one of the units themselves, FHA multifamily loan eligibility requirements include:

Proof of income: You’ll need to provide evidence of adequate income to cover the mortgage. If you plan to execute a house-hacking strategy and rent out the other units, lenders will count a portion of the expected rental revenue as income.
Credit score and down payment: You’ll need a credit score of 580 or higher to make a minimum down payment of 3.5%. If your credit score is between 500 and 579, you must make a minimum down payment of 10%.
Adequate DTI ratio: Most lenders prefer DTI ratios of 43% or less, but qualifications can vary depending on your credit score and other factors.
Owner occupancy: You must plan to live in one of the units as your primary residence for at least one year.
Cash reserves: You’ll need to prove you have a certain amount of cash reserves if you’re buying a three- to four-unit property.

The 2026 FHA loan limits for multifamily properties are higher than those for single-family homes.FHA loan limits for multifamily properties are higher than those for single-family homes.

Number of units	Low-cost FHA loan limit
Two	$693,050
Three	$837,700
Four	$1,041,125

FHA lenders in Idaho

Lender	LendingTree rating	Min. FHA credit score
	5/5 Read Our Review	580	Get offers
	5/5 Read Our Review	580	Get offers
	5/5 Read Our Review	580	Get offers
	4.5/5 Read Our Review	580	Get offers
	4.5/5 Read Our Review	580	Get offers

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Idaho FHA loan limits by county
How are FHA loan limits determined?
How to qualify for an FHA loan in Idaho
FHA lenders in Idaho