Most common limit (1–4 people)
$122,800
FY2026 USDA guaranteed loan income limits in Idaho range from $122,800 to $137,200 for a 1–4 person household, depending on the county.
$137,200highest county limit
All Idaho counties
| County | 1–4 people | 5–8 people |
|---|---|---|
| Ada County | $127,300 | $168,050 |
| Adams County | $122,800 | $162,100 |
| Bannock County | $122,800 | $162,100 |
| Bear Lake County | $122,800 | $162,100 |
| Benewah County | $122,800 | $162,100 |
| Bingham County | $122,800 | $162,100 |
| Blaine County | $124,800 | $164,750 |
| Boise County | $127,300 | $168,050 |
| Bonner County | $122,800 | $162,100 |
| Bonneville County | $122,800 | $162,100 |
| Boundary County | $122,800 | $162,100 |
| Butte County | $122,800 | $162,100 |
| Camas County | $122,800 | $162,100 |
| Canyon County | $127,300 | $168,050 |
| Caribou County | $122,800 | $162,100 |
| Cassia County | $122,800 | $162,100 |
| Clark County | $122,800 | $162,100 |
| Clearwater County | $122,800 | $162,100 |
| Custer County | $122,800 | $162,100 |
| Elmore County | $122,800 | $162,100 |
| Franklin County | $128,950 | $170,250 |
| Fremont County | $122,800 | $162,100 |
| Gem County | $122,800 | $162,100 |
| Gooding County | $122,800 | $162,100 |
| Idaho County | $122,800 | $162,100 |
| Jefferson County | $122,800 | $162,100 |
| Jerome County | $122,800 | $162,100 |
| Kootenai County | $122,800 | $162,100 |
| Latah County | $122,800 | $162,100 |
| Lemhi County | $122,800 | $162,100 |
| Lewis County | $122,800 | $162,100 |
| Lincoln County | $122,800 | $162,100 |
| Madison County | $122,800 | $162,100 |
| Minidoka County | $122,800 | $162,100 |
| Nez Perce County | $122,800 | $162,100 |
| Oneida County | $122,800 | $162,100 |
| Owyhee County | $127,300 | $168,050 |
| Payette County | $122,800 | $162,100 |
| Power County | $122,800 | $162,100 |
| Shoshone County | $122,800 | $162,100 |
| Teton County | $137,200 | $181,150 |
| Twin Falls County | $122,800 | $162,100 |
| Valley County | $123,250 | $162,700 |
| Washington County | $122,800 | $162,100 |
Source: USDA Rural Development, Single Family Housing Guaranteed Loan Program income limits, FY2026 (PN 657, effective Jul 13, 2026). Limits apply to adjusted household income (all adult members). The property must also be in a USDA-eligible rural area. Check the address on the USDA eligibility site. Not lending advice.
Frequently asked questions
What is the USDA income limit in Idaho?
FY2026 USDA guaranteed loan income limits in Idaho range from $122,800 to $137,200 for a 1–4 person household, depending on the county.