FHA Loan Limits and USDA Eligibility in Idaho
2026 FHA one-unit limits in Idaho range from $541,287 to $1,249,125. About 93% of ZIP centers look USDA-eligible. USDA 502 Guaranteed 1–4 person income limits range from $122,800 to $137,200. Enter a ZIP on the maps. County FHA caps are listed below.
2026 FHA Loan Limits Map for Idaho
USDA Property Eligibility and Income Limits Map for Idaho
Idaho FHA and USDA Figures by County
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when it does, both caps are listed. This table does not mark a county as USDA eligible or ineligible.
| County | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| Ada County | $586,500 | $127,300 |
| Adams County | $541,287 | $122,800 |
| Bannock County | $541,287 | $122,800 |
| Bear Lake County | $541,287 | $122,800 |
| Benewah County | $541,287 | $122,800 |
| Bingham County | $541,287 | $122,800 |
| Blaine County | $759,000 | $124,800 |
| Boise County | $586,500 | $127,300 |
| Bonner County | $541,287 | $122,800 |
| Bonneville County | $541,287 | $122,800 |
| Boundary County | $541,287 | $122,800 |
| Butte County | $541,287 | $122,800 |
| Camas County | $759,000 | $122,800 |
| Canyon County | $586,500 | $127,300 |
| Caribou County | $541,287 | $122,800 |
| Cassia County | $541,287 | $122,800 |
| Clark County | $541,287 | $122,800 |
| Clearwater County | $541,287 | $122,800 |
| Custer County | $541,287 | $122,800 |
| Elmore County | $541,287 | $122,800 |
| Franklin County | $541,287 | $128,950 |
| Fremont County | $541,287 | $122,800 |
| Gem County | $586,500 | $122,800 |
| Gooding County | $541,287 | $122,800 |
| Idaho County | $541,287 | $122,800 |
| Jefferson County | $541,287 | $122,800 |
| Jerome County | $541,287 | $122,800 |
| Kootenai County | $572,700 | $122,800 |
| Latah County | $541,287 | $122,800 |
| Lemhi County | $541,287 | $122,800 |
| Lewis County | $541,287 | $122,800 |
| Lincoln County | $759,000 | $122,800 |
| Madison County | $541,287 | $122,800 |
| Minidoka County | $541,287 | $122,800 |
| Nez Perce County | $541,287 | $122,800 |
| Oneida County | $541,287 | $122,800 |
| Owyhee County | $586,500 | $127,300 |
| Payette County | $541,287 | $122,800 |
| Power County | $541,287 | $122,800 |
| Shoshone County | $541,287 | $122,800 |
| Teton County | $1,249,125 | $137,200 |
| Twin Falls County | $541,287 | $122,800 |
| Valley County | $615,250 | $123,250 |
| Washington County | $541,287 | $122,800 |
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