Veterans with full entitlement have no VA loan limit in Idaho. With reduced entitlement, 2026 county limits in Idaho range from $832,750 to $1,249,125 (Teton County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Idaho (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Teton County | $1,249,125 | $1,249,125 |
| Ada County | $832,750 | $586,500 |
| Adams County | $832,750 | $541,287 |
| Bannock County | $832,750 | $541,287 |
| Bear Lake County | $832,750 | $541,287 |
| Benewah County | $832,750 | $541,287 |
| Bingham County | $832,750 | $541,287 |
| Blaine County | $832,750 | $759,000 |
| Boise County | $832,750 | $586,500 |
| Bonner County | $832,750 | $541,287 |
| Bonneville County | $832,750 | $541,287 |
| Boundary County | $832,750 | $541,287 |
| Butte County | $832,750 | $541,287 |
| Camas County | $832,750 | $759,000 |
| Canyon County | $832,750 | $586,500 |
| Caribou County | $832,750 | $541,287 |
| Cassia County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clearwater County | $832,750 | $541,287 |
| Custer County | $832,750 | $541,287 |
| Elmore County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fremont County | $832,750 | $541,287 |
| Gem County | $832,750 | $586,500 |
| Gooding County | $832,750 | $541,287 |
| Idaho County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jerome County | $832,750 | $541,287 |
| Kootenai County | $832,750 | $572,700 |
| Latah County | $832,750 | $541,287 |
| Lemhi County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $759,000 |
| Madison County | $832,750 | $541,287 |
| Minidoka County | $832,750 | $541,287 |
| Nez Perce County | $832,750 | $541,287 |
| Oneida County | $832,750 | $541,287 |
| Owyhee County | $832,750 | $586,500 |
| Payette County | $832,750 | $541,287 |
| Power County | $832,750 | $541,287 |
| Shoshone County | $832,750 | $541,287 |
| Twin Falls County | $832,750 | $541,287 |
| Valley County | $832,750 | $615,250 |
| Washington County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Major Cities & Counties in Idaho
Largest by population (Census ACS 2020–2024). Property tax for each:
- Boise City pop. 237,242
- Meridian pop. 130,138
- Nampa pop. 110,319
- Idaho Falls pop. 67,725
- Caldwell pop. 66,516
- Pocatello pop. 57,635
- Coeur d'Alene pop. 56,447
- Twin Falls pop. 54,164
- Post Falls pop. 43,391
- Rexburg pop. 40,543
- Ada County pop. 518,935
- Canyon County pop. 250,790
- Kootenai County pop. 181,996
- Bonneville County pop. 129,523
- Twin Falls County pop. 93,734
- Bannock County pop. 89,454
- Madison County pop. 54,618
- Bonner County pop. 51,049
- Bingham County pop. 49,664
- Nez Perce County pop. 42,697
Frequently asked questions
Is there a VA loan limit in Idaho?
Veterans with full entitlement have no VA loan limit in Idaho. With reduced entitlement, 2026 county limits in Idaho range from $832,750 to $1,249,125 (Teton County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.