Gooding County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 3.3 times the county's median home value of $250,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,559 (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) | $250,900 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 3.32× |
| Median household income | $63,559 |
| Median home value ÷ income | 3.9× |
| Population | 15,931 |
| Median property tax paid (owners) | $1,279 |
| Effective property tax rate (approx.) | 0.51% |
| Owner-occupied homes | 70.8% |
| Home value rank in Idaho | 39 of 44 counties |
| Neighbor: Camas County, ID | limit $832,750; median home $304,000 |
| Neighbor: Elmore County, ID | limit $832,750; median home $316,500 |
| Neighbor: Jerome County, ID | limit $832,750; median home $271,800 |
| Neighbor: Lincoln County, ID | limit $832,750; median home $255,600 |
| Neighbor: Twin Falls County, ID | limit $832,750; median home $337,900 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Gooding County's median home value is 40% below the state median of $418,600 (rank 39 of 44). Among its 5 neighboring counties, Twin Falls County has the highest median home value ($337,900) and Lincoln County the lowest ($255,600); all share the same loan limit. Owners pay a median $1,279 a year in property tax, an effective rate of about 0.51% 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: Goshen County, WY
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- 2026 conforming loan limit: Gove County, KS
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Last updated 2026-10-16. Data only, not financial or tax advice.