Idaho 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Idaho

Idaho has 44 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adams County to a high of $2,326,875 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 ($1,008,300) †

Highest Loan Limit ($2,326,875)

† 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	$524,225	$1,008,300	view details »
Bannock County	$524,225	$1,008,300	view details »
Bear Lake County	$524,225	$1,008,300	view details »
Benewah County	$524,225	$1,008,300	view details »
Bingham County	$524,225	$1,008,300	view details »
Blaine County	$759,000	$1,459,650	view details »
Boise County	$586,500	$1,127,900	view details »
Bonner County	$524,225	$1,008,300	view details »
Bonneville County	$524,225	$1,008,300	view details »
Boundary County	$524,225	$1,008,300	view details »
Butte County	$524,225	$1,008,300	view details »
Camas County	$759,000	$1,459,650	view details »
Canyon County	$586,500	$1,127,900	view details »
Caribou County	$524,225	$1,008,300	view details »
Cassia County	$524,225	$1,008,300	view details »
Clark County	$524,225	$1,008,300	view details »
Clearwater County	$524,225	$1,008,300	view details »
Custer County	$524,225	$1,008,300	view details »
Elmore County	$524,225	$1,008,300	view details »
Franklin County	$524,225	$1,008,300	view details »
Fremont County	$524,225	$1,008,300	view details »
Gem County	$586,500	$1,127,900	view details »
Gooding County	$524,225	$1,008,300	view details »
Idaho County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Jerome County	$524,225	$1,008,300	view details »
Kootenai County	$572,700	$1,101,350	view details »
Latah County	$524,225	$1,008,300	view details »
Lemhi County	$524,225	$1,008,300	view details »
Lewis County	$524,225	$1,008,300	view details »
Lincoln County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Minidoka County	$524,225	$1,008,300	view details »
Nez Perce County	$524,225	$1,008,300	view details »
Oneida County	$524,225	$1,008,300	view details »
Owyhee County	$586,500	$1,127,900	view details »
Payette County	$524,225	$1,008,300	view details »
Power County	$524,225	$1,008,300	view details »
Shoshone County	$524,225	$1,008,300	view details »
Teton County	$1,209,750	$2,326,875	view details »
Twin Falls County	$524,225	$1,008,300	view details »
Valley County	$573,850	$1,103,550	view details »
Washington County	$524,225	$1,008,300	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 2025, the maximum loan limit in Idaho is $524,225 for a single-family home and $2,326,875 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 2025 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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