State · 2026 limits
Idaho conforming loan limits 2026
Up to $1,249,125
highest one-unit conforming limit in Idaho, 2026 (Teton County)
Limits by county from FHFA. Informational only, not lending advice.
Counties44in FHFA's file
Above the baseline1high-cost counties
Highest 4-unit limit$2,402,625Teton County
Rose since 202544of 44 counties
Counties above the baseline
One-unit limit, 2026. 1 of 44 counties are above the $832,750 baseline. The table below lists every county.
Source: FHFA 2026 county loan limit file.
Every Idaho county
No rows match.
| Teton County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 (+3.3%) |
|---|---|---|---|---|---|
| Ada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bannock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bear Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Benewah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Blaine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Boise County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bonner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bonneville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Boundary County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Camas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Canyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Caribou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cassia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clearwater County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Elmore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Gem County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Gooding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Idaho County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jerome County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Kootenai County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Latah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lemhi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Minidoka County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Nez Perce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Oneida County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Owyhee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Payette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Power County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Shoshone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Twin Falls County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Valley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
FHA limits in Idaho
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in Idaho?
It depends on the county: from $832,750 to $1,249,125 for a one-unit home. 1 of 44 counties are above the baseline.
Which Idaho counties have the highest loan limits?
Teton County has the highest limit, $1,249,125.
What is the FHA loan limit in Idaho for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the Idaho limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.