FHA Loan Limits and USDA Eligibility in Gem County, Idaho

2026 FHA one-unit limit in Gem County is $586,500. Two-unit is $750,800, three-unit is $907,550, and four-unit is $1,127,900. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Idaho

Idaho one-unit limits:
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Idaho

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EligibleIneligibleUSDA ineligible boundary

Gem County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
83607$586,500$122,800 to $127,300
83617$586,500$122,800
83629$586,500$122,800 to $127,300
83636$586,500$122,800
83657$586,500$122,800 to $123,250
83670$586,500$122,800 to $127,300

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Loan Options in Gem County

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Gem County address. Then they can match you if you qualify.

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