2026 conforming loan limits
2026 conforming loan limits in Idaho
Idaho has 44 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Idaho is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $1,249,125.
Every county/equivalent in Idaho
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Ada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bannock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bear Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Benewah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Blaine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boise County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bonner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bonneville County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boundary County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Butte County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Camas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Canyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Caribou County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cassia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clearwater County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Custer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Elmore County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fremont County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gem County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gooding County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Idaho County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jerome County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kootenai County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Latah County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lemhi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Minidoka County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Nez Perce County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Oneida County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Owyhee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Payette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Power County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shoshone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Teton County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | High-cost area |
| Twin Falls County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Valley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Idaho (ID).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Idaho: 44. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
Related
Next step
Talk through your conventional loan scenario
Answer a few planning questions. Your request is stored for review by Bolt Home Loans, or call 844-777-BOLT for direct assistance.
Educational request only. Not an application, approval, preapproval, rate lock, or commitment to lend. Bolt Home Loans LLC, NMLS 2784913. Equal Housing Opportunity.