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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in ID - Idaho FHA Mortgage

Idaho Mortgages

2025 FHA Loan Limits for Idaho

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2025 FHA loan limits for each county in Idaho are below.

Select County
County Name One Family Two Family Three Family Four Family
Ada One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Adams One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bannock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bear Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benewah One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bingham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Blaine One Family$759,000 Two Family$971,650 Three Family$1,174,500 Four Family$1,459,650
Boise One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Bonner One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bonneville One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boundary One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butte One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Camas One Family$759,000 Two Family$971,650 Three Family$1,174,500 Four Family$1,459,650
Canyon One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Caribou One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cassia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clark One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clearwater One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Custer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Elmore One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fremont One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gem One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Gooding One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Idaho One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jerome One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kootenai One Family$572,700 Two Family$733,150 Three Family$886,200 Four Family$1,101,350
Latah One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lemhi One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lewis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Minidoka One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nez Perce One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Oneida One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Owyhee One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Payette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Power One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shoshone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Teton One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Twin Falls One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Valley One Family$573,850 Two Family$734,650 Three Family$888,000 Four Family$1,103,550
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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