Idaho 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Idaho

Idaho has 44 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Adams County to a high of $1,581,750 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 ($685,400)
Highest Loan Limit ($1,581,750)

† 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 $415,150 $798,350 view details »
Adams County $356,362 $685,400 view details »
Bannock County $356,362 $685,400 view details »
Bear Lake County $356,362 $685,400 view details »
Benewah County $356,362 $685,400 view details »
Bingham County $356,362 $685,400 view details »
Blaine County $646,300 $1,242,900 view details »
Boise County $415,150 $798,350 view details »
Bonner County $356,362 $685,400 view details »
Bonneville County $356,362 $685,400 view details »
Boundary County $356,362 $685,400 view details »
Butte County $356,362 $685,400 view details »
Camas County $646,300 $1,242,900 view details »
Canyon County $415,150 $798,350 view details »
Caribou County $356,362 $685,400 view details »
Cassia County $356,362 $685,400 view details »
Clark County $356,362 $685,400 view details »
Clearwater County $356,362 $685,400 view details »
Custer County $356,362 $685,400 view details »
Elmore County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Fremont County $356,362 $685,400 view details »
Gem County $415,150 $798,350 view details »
Gooding County $356,362 $685,400 view details »
Idaho County $356,362 $685,400 view details »
Jefferson County $356,362 $685,400 view details »
Jerome County $356,362 $685,400 view details »
Kootenai County $388,700 $747,500 view details »
Latah County $356,362 $685,400 view details »
Lemhi County $356,362 $685,400 view details »
Lewis County $356,362 $685,400 view details »
Lincoln County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Minidoka County $356,362 $685,400 view details »
Nez Perce County $356,362 $685,400 view details »
Oneida County $356,362 $685,400 view details »
Owyhee County $415,150 $798,350 view details »
Payette County $356,362 $685,400 view details »
Power County $356,362 $685,400 view details »
Shoshone County $356,362 $685,400 view details »
Teton County $822,375 $1,581,750 view details »
Twin Falls County $356,362 $685,400 view details »
Valley County $379,500 $729,800 view details »
Washington County $356,362 $685,400 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 2021, the maximum loan limit in Idaho is $356,362 for a single-family home and $1,581,750 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.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/idaho