Idaho 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Idaho

Idaho has 44 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Adams County to a high of $2,095,200 for a 4-bedroom unit in Teton County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Idaho's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($907,900) †

Highest Loan Limit ($2,095,200)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Idaho (44 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Ada County	$586,500	$1,127,900	view details »
Adams County	$472,030	$907,900	view details »
Bannock County	$472,030	$907,900	view details »
Bear Lake County	$472,030	$907,900	view details »
Benewah County	$472,030	$907,900	view details »
Bingham County	$472,030	$907,900	view details »
Blaine County	$740,600	$1,424,250	view details »
Boise County	$586,500	$1,127,900	view details »
Bonner County	$523,250	$1,006,250	view details »
Bonneville County	$472,030	$907,900	view details »
Boundary County	$472,030	$907,900	view details »
Butte County	$472,030	$907,900	view details »
Camas County	$740,600	$1,424,250	view details »
Canyon County	$586,500	$1,127,900	view details »
Caribou County	$472,030	$907,900	view details »
Cassia County	$472,030	$907,900	view details »
Clark County	$472,030	$907,900	view details »
Clearwater County	$472,030	$907,900	view details »
Custer County	$472,030	$907,900	view details »
Elmore County	$472,030	$907,900	view details »
Franklin County	$492,200	$946,550	view details »
Fremont County	$472,030	$907,900	view details »
Gem County	$586,500	$1,127,900	view details »
Gooding County	$472,030	$907,900	view details »
Idaho County	$472,030	$907,900	view details »
Jefferson County	$472,030	$907,900	view details »
Jerome County	$472,030	$907,900	view details »
Kootenai County	$572,700	$1,101,350	view details »
Latah County	$472,030	$907,900	view details »
Lemhi County	$472,030	$907,900	view details »
Lewis County	$472,030	$907,900	view details »
Lincoln County	$472,030	$907,900	view details »
Madison County	$472,030	$907,900	view details »
Minidoka County	$472,030	$907,900	view details »
Nez Perce County	$472,030	$907,900	view details »
Oneida County	$472,030	$907,900	view details »
Owyhee County	$586,500	$1,127,900	view details »
Payette County	$472,030	$907,900	view details »
Power County	$472,030	$907,900	view details »
Shoshone County	$472,030	$907,900	view details »
Teton County	$1,089,300	$2,095,200	view details »
Twin Falls County	$472,030	$907,900	view details »
Valley County	$573,850	$1,103,550	view details »
Washington County	$472,030	$907,900	view details »

How to qualify for an FHA Loan in Idaho?

To qualify for an FHA loan in Idaho, your home loan must be below the local FHA loan limits in your area. For 2023, the maximum loan limit in Idaho is $472,030 for a single-family home and $2,095,200 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Idaho. Additional restricts apply. Click on the Idaho map above or the table below to see loan limits in your area.

Idaho 2023 FHA Loan Limits

Loan Limits in Idaho

Loan Limits by County in Idaho (44 counties)

How to qualify for an FHA Loan in Idaho?

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