2026 conforming loan limits · Idaho
Idaho has 2 distinct one-unit conforming limits, from $832,750 to $1,249,125. 1 of 44 counties sit above the $832,750 baseline that applies here.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Idaho at a glance
| Metric | Value |
|---|---|
| Counties | 44 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $1,249,125 |
| Distinct one-unit limits | 2 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 1 of 44 (2.3%) |
| At the applicable ceiling | 1 |
| Dataset year | CY2026 |
How Idaho splits
| FHFA position | Counties | Share | Lowest | Highest |
|---|---|---|---|---|
| At the baseline | 43 | 97.7% | $832,750 | $832,750 |
| At the ceiling | 1 | 2.3% | $1,249,125 | $1,249,125 |
Highest limits in Idaho: Teton County ($1,249,125), Ada County ($832,750), Adams County ($832,750), Bannock County ($832,750), Bear Lake County ($832,750).
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Ada County | BOISE CITY, ID | $832,750 | $586,500 | $246,250 |
| Adams County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bannock County | POCATELLO, ID | $832,750 | $541,287 | $291,463 |
| Bear Lake County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Benewah County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bingham County | BLACKFOOT, ID | $832,750 | $541,287 | $291,463 |
| Blaine County | HAILEY, ID | $832,750 | $759,000 | $73,750 |
| Boise County | BOISE CITY, ID | $832,750 | $586,500 | $246,250 |
| Bonner County | SANDPOINT, ID | $832,750 | $541,287 | $291,463 |
| Bonneville County | IDAHO FALLS, ID | $832,750 | $541,287 | $291,463 |
| Boundary County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Butte County | IDAHO FALLS, ID | $832,750 | $541,287 | $291,463 |
| Camas County | HAILEY, ID | $832,750 | $759,000 | $73,750 |
| Canyon County | BOISE CITY, ID | $832,750 | $586,500 | $246,250 |
| Caribou County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cassia County | BURLEY, ID | $832,750 | $541,287 | $291,463 |
| Clark County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clearwater County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Custer County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Elmore County | MOUNTAIN HOME, ID | $832,750 | $541,287 | $291,463 |
| Franklin County | LOGAN, UT-ID | $832,750 | $541,287 | $291,463 |
| Fremont County | REXBURG, ID | $832,750 | $541,287 | $291,463 |
| Gem County | BOISE CITY, ID | $832,750 | $586,500 | $246,250 |
| Gooding County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Idaho County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | IDAHO FALLS, ID | $832,750 | $541,287 | $291,463 |
| Jerome County | TWIN FALLS, ID | $832,750 | $541,287 | $291,463 |
| Kootenai County | COEUR D'ALENE, ID | $832,750 | $572,700 | $260,050 |
| Latah County | MOSCOW, ID | $832,750 | $541,287 | $291,463 |
| Lemhi County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lewis County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | HAILEY, ID | $832,750 | $759,000 | $73,750 |
| Madison County | REXBURG, ID | $832,750 | $541,287 | $291,463 |
| Minidoka County | BURLEY, ID | $832,750 | $541,287 | $291,463 |
| Nez Perce County | LEWISTON, ID-WA | $832,750 | $541,287 | $291,463 |
| Oneida County | BRIGHAM CITY, UT-ID | $832,750 | $541,287 | $291,463 |
| Owyhee County | BOISE CITY, ID | $832,750 | $586,500 | $246,250 |
| Payette County | ONTARIO, OR-ID | $832,750 | $541,287 | $291,463 |
| Power County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Shoshone County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Teton County | JACKSON, WY-ID | $1,249,125 | $1,249,125 | $0 |
| Twin Falls County | TWIN FALLS, ID | $832,750 | $541,287 | $291,463 |
| Valley County | Rural / Non-metro | $832,750 | $615,250 | $217,500 |
| Washington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Ada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bannock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bear Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benewah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blaine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boise County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bonner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bonneville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boundary County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Canyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caribou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cassia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clearwater County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elmore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gem County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gooding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Idaho County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jerome County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kootenai County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Latah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lemhi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Minidoka County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nez Perce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oneida County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Owyhee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Payette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Power County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shoshone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Teton County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Twin Falls County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Valley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)