Gem County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 1.9 times the county's median home value of $428,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,605 (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) | $428,700 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 1.94× |
| Median household income | $64,605 |
| Median home value ÷ income | 6.6× |
| Population | 20,614 |
| Median property tax paid (owners) | $1,418 |
| Effective property tax rate (approx.) | 0.33% |
| Owner-occupied homes | 76.0% |
| Home value rank in Idaho | 8 of 44 counties |
| Neighbor: Ada County, ID | limit $832,750; median home $512,300 |
| Neighbor: Adams County, ID | limit $832,750; median home $376,500 |
| Neighbor: Boise County, ID | limit $832,750; median home $476,100 |
| Neighbor: Canyon County, ID | limit $832,750; median home $390,000 |
| Neighbor: Payette County, ID | limit $832,750; median home $341,800 |
| Neighbor: Valley County, ID | limit $832,750; median home $657,000 |
| Neighbor: Washington County, ID | limit $832,750; median home $278,100 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Gem County's median home value is 2% above the state median of $418,600 (rank 8 of 44). Among its 7 neighboring counties, Valley County has the highest median home value ($657,000) and Washington County the lowest ($278,100); all share the same loan limit. Owners pay a median $1,418 a year in property tax, an effective rate of about 0.33% 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
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- 2026 conforming loan limit: Gentry County, MO
- 2026 conforming loan limit: George County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.