Oneida 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 $272,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $74,954 (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) | $272,000 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 3.06× |
| Median household income | $74,954 |
| Median home value ÷ income | 3.6× |
| Population | 4,768 |
| Median property tax paid (owners) | $1,207 |
| Effective property tax rate (approx.) | 0.44% |
| Owner-occupied homes | 88.3% |
| Home value rank in Idaho | 33 of 44 counties |
| Neighbor: Bannock County, ID | limit $832,750; median home $300,700 |
| Neighbor: Cassia County, ID | limit $832,750; median home $284,600 |
| Neighbor: Franklin County, ID | limit $832,750; median home $372,600 |
| Neighbor: Power County, ID | limit $832,750; median home $212,900 |
| Neighbor: Box Elder County, UT | limit $832,750; median home $403,600 |
| Neighbor: Cache County, UT | limit $832,750; median home $444,400 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Oneida County's median home value is 35% below the state median of $418,600 (rank 33 of 44). Among its 6 neighboring counties, Cache County has the highest median home value ($444,400) and Power County the lowest ($212,900); all share the same loan limit. Owners pay a median $1,207 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.
Related
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- 2026 conforming loan limit: Oneida County, NY
- 2026 conforming loan limit: Oneida County, WI
- 2026 conforming loan limit: Onondaga County, NY
- 2026 conforming loan limit: Onslow County, NC
- 2026 conforming loan limit: Ontario County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.