Clearwater County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $268,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,000 (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) | $268,200 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 3.10× |
| Median household income | $60,000 |
| Median home value ÷ income | 4.5× |
| Population | 9,012 |
| Median property tax paid (owners) | $1,443 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 82.9% |
| Home value rank in Idaho | 35 of 44 counties |
| Neighbor: Idaho County, ID | limit $832,750; median home $310,200 |
| Neighbor: Latah County, ID | limit $832,750; median home $368,600 |
| Neighbor: Lewis County, ID | limit $832,750; median home $225,300 |
| Neighbor: Nez Perce County, ID | limit $832,750; median home $334,700 |
| Neighbor: Shoshone County, ID | limit $832,750; median home $267,400 |
| Neighbor: Mineral County, MT | limit $832,750; median home $364,300 |
| Neighbor: Missoula County, MT | limit $832,750; median home $472,100 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Clearwater County's median home value is 36% below the state median of $418,600 (rank 35 of 44). Among its 7 neighboring counties, Missoula County has the highest median home value ($472,100) and Lewis County the lowest ($225,300); all share the same loan limit. Owners pay a median $1,443 a year in property tax, an effective rate of about 0.54% 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: Clayton County, IA
- 2026 conforming loan limit: Clear Creek County, CO
- 2026 conforming loan limit: Clearfield County, PA
- 2026 conforming loan limit: Clearwater County, MN
- 2026 conforming loan limit: Cleburne County, AL
- 2026 conforming loan limit: Cleburne County, AR
- 2026 conforming loan limit: Clermont County, OH
- 2026 conforming loan limit: Cleveland County, AR
Last updated 2026-10-16. Data only, not financial or tax advice.