Bear Lake County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $275,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $75,260 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $275,000 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 3.03× |
| Median household income | $75,260 |
| Median home value ÷ income | 3.7× |
| Population | 6,650 |
| Median property tax paid (owners) | $1,116 |
| Effective property tax rate (approx.) | 0.41% |
| Owner-occupied homes | 89.5% |
| Home value rank in Idaho | 32 of 44 counties |
| Neighbor: Caribou County, ID | limit $832,750; median home $241,500 |
| Neighbor: Franklin County, ID | limit $832,750; median home $372,600 |
| Neighbor: Cache County, UT | limit $832,750; median home $444,400 |
| Neighbor: Rich County, UT | limit $832,750; median home $334,600 |
| Neighbor: Lincoln County, WY | limit $832,750; median home $372,600 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Bear Lake County's median home value is 34% below the state median of $418,600 (rank 32 of 44). Among its 5 neighboring counties, Cache County has the highest median home value ($444,400) and Caribou County the lowest ($241,500); all share the same loan limit. Owners pay a median $1,116 a year in property tax, an effective rate of about 0.41% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Bayfield County, WI
- 2026 conforming loan limit: Baylor County, TX
- 2026 conforming loan limit: Beadle County, SD
- 2026 conforming loan limit: Beaufort County, NC
- 2026 conforming loan limit: Beaufort County, SC
- 2026 conforming loan limit: Beauregard Parish, LA
- 2026 conforming loan limit: Beaver County, OK
- 2026 conforming loan limit: Beaver County, PA
Last updated 2026-10-16. Data only, not financial or tax advice.