Owyhee County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 2.3 times the county's median home value of $359,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,406 (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) | $359,800 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 2.31× |
| Median household income | $64,406 |
| Median home value ÷ income | 5.6× |
| Population | 12,503 |
| Median property tax paid (owners) | $1,432 |
| Effective property tax rate (approx.) | 0.40% |
| Owner-occupied homes | 72.6% |
| Home value rank in Idaho | 18 of 44 counties |
| Neighbor: Ada County, ID | limit $832,750; median home $512,300 |
| Neighbor: Canyon County, ID | limit $832,750; median home $390,000 |
| Neighbor: Elmore County, ID | limit $832,750; median home $316,500 |
| Neighbor: Twin Falls County, ID | limit $832,750; median home $337,900 |
| Neighbor: Elko County, NV | limit $832,750; median home $301,400 |
| Neighbor: Humboldt County, NV | limit $832,750; median home $278,300 |
| Neighbor: Malheur County, OR | limit $832,750; median home $248,900 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Owyhee County's median home value is 14% below the state median of $418,600 (rank 18 of 44). Among its 7 neighboring counties, Ada County has the highest median home value ($512,300) and Malheur County the lowest ($248,900); all share the same loan limit. Owners pay a median $1,432 a year in property tax, an effective rate of about 0.40% 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
- 2026 conforming loan limit: Owen County, IN
- 2026 conforming loan limit: Owen County, KY
- 2026 conforming loan limit: Owsley County, KY
- 2026 conforming loan limit: Oxford County, ME
- 2026 conforming loan limit: Ozark County, MO
- 2026 conforming loan limit: Ozaukee County, WI
- 2026 conforming loan limit: Pacific County, WA
- 2026 conforming loan limit: Page County, IA
Last updated 2026-10-16. Data only, not financial or tax advice.