2026 limits · 44 counties
Idaho 2026 loan limits for duplexes, triplexes and fourplexes
In Idaho, the 2026 FHA limit for a fourplex runs from $1,041,125 to $2,402,625. 33 of 44 counties sit at the national floor; the highest is Teton County. The conforming limit, which caps a conventional loan Fannie Mae or Freddie Mac can buy, is $1,601,750 for a fourplex in most of the state and up to $2,402,625 in 1 high-cost county.
Every county in Idaho
The limit caps the base loan, not the price. FHA's upfront premium can be added on top without counting against it. "High-cost" marks a county whose FHA limit is above the national floor.
| County | FHA 2026 | Conforming 2026 | ||||
|---|---|---|---|---|---|---|
| 2 units | 3 units | 4 units | 2 units | 3 units | 4 units | |
| Ada County high-cost Boise City, ID | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Adams County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bannock County Pocatello, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bear Lake County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benewah County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bingham County Blackfoot, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Blaine County high-cost Hailey, ID | $971,650 | $1,174,500 | $1,459,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boise County high-cost Boise City, ID | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bonner County Sandpoint, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bonneville County Idaho Falls, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boundary County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Butte County Idaho Falls, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Camas County high-cost Hailey, ID | $971,650 | $1,174,500 | $1,459,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Canyon County high-cost Boise City, ID | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Caribou County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cassia County Burley, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clearwater County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Custer County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Elmore County Mountain Home, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County Logan, UT-ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fremont County Rexburg, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gem County high-cost Boise City, ID | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gooding County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Idaho County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County Idaho Falls, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jerome County Twin Falls, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kootenai County high-cost Coeur D'alene, ID | $733,150 | $886,200 | $1,101,350 | $1,066,250 | $1,288,800 | $1,601,750 |
| Latah County Moscow, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lemhi County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lewis County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County high-cost Hailey, ID | $971,650 | $1,174,500 | $1,459,650 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County Rexburg, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Minidoka County Burley, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nez Perce County Lewiston, ID-WA | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Oneida County Brigham City, UT-ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Owyhee County high-cost Boise City, ID | $750,800 | $907,550 | $1,127,900 | $1,066,250 | $1,288,800 | $1,601,750 |
| Payette County Ontario, OR-ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Power County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shoshone County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Teton County high-cost Jackson, WY-ID | $1,599,375 | $1,933,200 | $2,402,625 | $1,599,375 | $1,933,200 | $2,402,625 |
| Twin Falls County Twin Falls, ID | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
| Valley County high-cost | $787,650 | $952,050 | $1,183,200 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $693,050 | $837,700 | $1,041,125 | $1,066,250 | $1,288,800 | $1,601,750 |
How much building fits under the limit
With FHA's minimum 3.5% down, the base loan is 96.5% of the price. So the most you can pay and stay inside the limit is the limit divided by 0.965.
| Where | Duplex | Triplex | Fourplex |
|---|---|---|---|
| 33 counties at the floor | $718,186 | $868,082 | $1,078,886 |
| Teton County | $1,657,383 | $2,003,316 | $2,489,766 |
Put more than 3.5% down and the ceiling on price rises with it. Price is also only half of it: on a three- or four-unit building, FHA's self-sufficiency test often binds before the loan limit does. The calculator runs both against a county you pick.
VA and conventional in Idaho
Conventional loans use the conforming column. On a 2-4 unit home you live in, Freddie Mac's published maximum is 95% loan-to-value for a mortgage its automated system accepts, but 85% (two units) and 80% (three or four) for a "super conforming" loan above the baseline, and the same 85% and 80% for a manually underwritten one.
A veteran with full VA entitlement has no county limit. If some entitlement is still tied up in another loan, VA ties the guaranty to the one-unit conforming limit even for a fourplex: $832,750 to $1,249,125 in Idaho. The guaranty is 25% of that figure minus the entitlement already used.
Other states: all states and the county lookup.