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Idaho 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Idaho

Idaho has 44 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Adams County to a high of $1,867,275 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 ($809,150)
Highest Loan Limit ($1,867,275)

† 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 $515,200 $990,800 view details »
Adams County $420,680 $809,150 view details »
Bannock County $420,680 $809,150 view details »
Bear Lake County $420,680 $809,150 view details »
Benewah County $420,680 $809,150 view details »
Bingham County $420,680 $809,150 view details »
Blaine County $648,600 $1,247,300 view details »
Boise County $515,200 $990,800 view details »
Bonner County $427,800 $822,700 view details »
Bonneville County $420,680 $809,150 view details »
Boundary County $420,680 $809,150 view details »
Butte County $420,680 $809,150 view details »
Camas County $648,600 $1,247,300 view details »
Canyon County $515,200 $990,800 view details »
Caribou County $420,680 $809,150 view details »
Cassia County $420,680 $809,150 view details »
Clark County $420,680 $809,150 view details »
Clearwater County $420,680 $809,150 view details »
Custer County $420,680 $809,150 view details »
Elmore County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Fremont County $420,680 $809,150 view details »
Gem County $515,200 $990,800 view details »
Gooding County $420,680 $809,150 view details »
Idaho County $420,680 $809,150 view details »
Jefferson County $420,680 $809,150 view details »
Jerome County $420,680 $809,150 view details »
Kootenai County $483,000 $928,850 view details »
Latah County $420,680 $809,150 view details »
Lemhi County $420,680 $809,150 view details »
Lewis County $420,680 $809,150 view details »
Lincoln County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Minidoka County $420,680 $809,150 view details »
Nez Perce County $420,680 $809,150 view details »
Oneida County $420,680 $809,150 view details »
Owyhee County $515,200 $990,800 view details »
Payette County $420,680 $809,150 view details »
Power County $420,680 $809,150 view details »
Shoshone County $420,680 $809,150 view details »
Teton County $970,800 $1,867,275 view details »
Twin Falls County $420,680 $809,150 view details »
Valley County $420,680 $809,150 view details »
Washington County $420,680 $809,150 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 2022, the maximum loan limit in Idaho is $420,680 for a single-family home and $1,867,275 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
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