Kootenai County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 1.6 times the county's median home value of $518,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $81,861 (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) | $518,700 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 1.61× |
| Median household income | $81,861 |
| Median home value ÷ income | 6.3× |
| Population | 181,996 |
| Median property tax paid (owners) | $2,267 |
| Effective property tax rate (approx.) | 0.44% |
| Owner-occupied homes | 71.3% |
| Home value rank in Idaho | 4 of 44 counties |
| Neighbor: Benewah County, ID | limit $832,750; median home $293,500 |
| Neighbor: Bonner County, ID | limit $832,750; median home $487,900 |
| Neighbor: Shoshone County, ID | limit $832,750; median home $267,400 |
| Neighbor: Spokane County, WA | limit $832,750; median home $410,700 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Kootenai County's median home value is 24% above the state median of $418,600 (rank 4 of 44). Among its 4 neighboring counties, Bonner County has the highest median home value ($487,900) and Shoshone County the lowest ($267,400); all share the same loan limit. Owners pay a median $2,267 a year in property tax, an effective rate of about 0.44% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.