Idaho County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 2.7 times the county's median home value of $310,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,325 (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) | $310,200 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 2.68× |
| Median household income | $66,325 |
| Median home value ÷ income | 4.7× |
| Population | 17,432 |
| Median property tax paid (owners) | $995 |
| Effective property tax rate (approx.) | 0.32% |
| Owner-occupied homes | 80.9% |
| Home value rank in Idaho | 25 of 44 counties |
| Neighbor: Adams County, ID | limit $832,750; median home $376,500 |
| Neighbor: Clearwater County, ID | limit $832,750; median home $268,200 |
| Neighbor: Lemhi County, ID | limit $832,750; median home $326,100 |
| Neighbor: Lewis County, ID | limit $832,750; median home $225,300 |
| Neighbor: Nez Perce County, ID | limit $832,750; median home $334,700 |
| Neighbor: Valley County, ID | limit $832,750; median home $657,000 |
| Neighbor: Missoula County, MT | limit $832,750; median home $472,100 |
| Neighbor: Ravalli County, MT | limit $832,750; median home $476,600 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Idaho County's median home value is 26% below the state median of $418,600 (rank 25 of 44). Among its 8 neighboring counties, Valley County has the highest median home value ($657,000) and Lewis County the lowest ($225,300); all share the same loan limit. Owners pay a median $995 a year in property tax, an effective rate of about 0.32% 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 limits in Idaho by county
- 2026 conforming loan limits in Illinois by county
- 2026 conforming loan limit: Imperial County, CA
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- 2026 conforming loan limit: Indian River County, FL
- 2026 conforming loan limits in Indiana by county
Last updated 2026-10-16. Data only, not financial or tax advice.