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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Current FHA Mortgage Rates in ID - Idaho FHA Mortgage

Idaho Mortgages

2024 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 2024 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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bannock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bear Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Benewah One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bingham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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$523,250 Two Family$669,850 Three Family$809,700 Four Family$1,006,250
Bonneville One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boundary One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butte One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cassia One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clearwater One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Custer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Elmore One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fremont One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gem One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Gooding One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Idaho One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jerome One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kootenai One Family$572,700 Two Family$733,150 Three Family$886,200 Four Family$1,101,350
Latah One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lemhi One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lewis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Minidoka One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nez Perce One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Oneida One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Owyhee One Family$586,500 Two Family$750,800 Three Family$907,550 Four Family$1,127,900
Payette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Power One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shoshone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Teton One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Twin Falls One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Valley One Family$573,850 Two Family$734,650 Three Family$888,000 Four Family$1,103,550
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350

Mortgage Rates by State

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