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Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Up for the quarter, down for the year? See what's happening with home affordability in our latest "Income you need to buy a home in the top 50 metro areas".

Current FHA Mortgage Rates in ID - Idaho FHA Mortgage

Get FHA mortgage rates

Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Idaho Mortgages

2023 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 2023 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$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bannock One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bear Lake One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Benewah One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bingham One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Blaine One Family$740,600 Two Family$948,100 Three Family$1,146,050 Four Family$1,424,250
Boise One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Bonner One Family$523,250 Two Family$669,850 Three Family$809,700 Four Family$1,006,250
Bonneville One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Boundary One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Butte One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Camas One Family$740,600 Two Family$948,100 Three Family$1,146,050 Four Family$1,424,250
Canyon One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Caribou One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cassia One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clark One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clearwater One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Custer One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Elmore One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Franklin One Family$492,200 Two Family$630,100 Three Family$761,650 Four Family$946,550
Fremont One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Gem One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Gooding One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Idaho One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jefferson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jerome One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Kootenai One Family$572,700 Two Family$733,150 Three Family$886,200 Four Family$1,101,350
Latah One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lemhi One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lewis One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lincoln One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Madison One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Minidoka One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Nez Perce One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Oneida One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Owyhee One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Payette One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Power One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Shoshone One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Teton One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Twin Falls One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Valley One Family$573,850 Two Family$734,650 Three Family$888,000 Four Family$1,103,550
Washington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900

Mortgage Rates by State

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