Idaho conforming loan limits 2026
Idaho has 44 counties. 1 of them sit on a figure above the $832,750 baseline, spread over 1 distinct figure; the highest in the state is $1,249,125.
1 of its 44 counties qualify for a high-cost figure above the $832,750 baseline. For 2026, the figure moved in 44 of its 44 counties and 0 stayed the same.
Idaho ranks 33rd of 56 jurisdictions by county count, and 2nd by highest limit. Of its counties, 28 sit inside a metropolitan or micropolitan area, across 17 such areas. Counties here share a statistical area with counties on a higher figure in Wyoming.
Figures used in Idaho
- $1,249,125 — 1 county in Idaho (75 counties in all)
All counties in Idaho
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Ada County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Adams County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bannock County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bear Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Benewah County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bingham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Blaine County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Boise County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bonner County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bonneville County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Boundary County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Butte County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Camas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Canyon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Caribou County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cassia County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clearwater County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Custer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Elmore County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fremont County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gem County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gooding County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Idaho County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jefferson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jerome County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kootenai County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Latah County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lemhi County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lewis County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Madison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Minidoka County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nez Perce County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oneida County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Owyhee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Payette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Power County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Shoshone County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Teton County | $1,249,125 | $1,209,750 | $1,149,825 | +3.3% | 75 in all |
| Twin Falls County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Valley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Idaho use the baseline conforming loan limit?
No. 1 of 44 counties are above the $832,750 baseline, and the state's highest limit is $1,249,125.
What counts as a jumbo loan in Idaho?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.