Valley County, Idaho has a 2026 one-unit conforming loan limit of $832,750, which is 1.3 times the county's median home value of $657,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $76,078 (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) | $657,000 |
| Idaho median home value | $418,600 |
| Limit ÷ median home value | 1.27× |
| Median household income | $76,078 |
| Median home value ÷ income | 8.6× |
| Population | 12,389 |
| Median property tax paid (owners) | $1,964 |
| Effective property tax rate (approx.) | 0.30% |
| Owner-occupied homes | 81.9% |
| Home value rank in Idaho | 3 of 44 counties |
| Neighbor: Adams County, ID | limit $832,750; median home $376,500 |
| Neighbor: Boise County, ID | limit $832,750; median home $476,100 |
| Neighbor: Custer County, ID | limit $832,750; median home $381,700 |
| Neighbor: Gem County, ID | limit $832,750; median home $428,700 |
| Neighbor: Idaho County, ID | limit $832,750; median home $310,200 |
| Neighbor: Lemhi County, ID | limit $832,750; median home $326,100 |
Across Idaho's 44 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 1 high-cost county. Valley County's median home value is 57% above the state median of $418,600 (rank 3 of 44). Among its 6 neighboring counties, Boise County has the highest median home value ($476,100) and Idaho County the lowest ($310,200); all share the same loan limit. Owners pay a median $1,964 a year in property tax, an effective rate of about 0.30% 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: Val Verde County, TX
- 2026 conforming loan limit: Valencia County, NM
- 2026 conforming loan limit: Valley County, MT
- 2026 conforming loan limit: Valley County, NE
- 2026 conforming loan limit: Van Buren County, AR
- 2026 conforming loan limit: Van Buren County, IA
- 2026 conforming loan limit: Van Buren County, MI
Last updated 2026-10-16. Data only, not financial or tax advice.