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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.


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