Conforming Loan Limits For Idaho In 2025

One-Unit is a single family home or condominium

Two-Unit is two separate living units (duplex)

Three-Unit three separate living units (triplex)

Four-Unit four separate living units (fourplex)

The 2025 conforming loan limits for counties across Idaho are below. Knowing these limits will prepare you to navigate the mortgage market with confidence, knowing whether your loan will fit within the standard lending cap or if you’ll be venturing into the realm of a jumbo mortgage loan.

For most Idaho counties, the 1-unit (think single-family homes) Idaho conforming loan limit has climbed to an impressive $806,500 this year. But that’s not all – certain high-cost areas in Idaho are setting the bar even higher! Get ready for a deep dive into the specific limits for these areas:  Whether you’re buying your first home or upgrading to a luxury property, understanding these limits is key to your home-buying journey. For more details about conforming loans go to our page Idaho conforming home loans.

2025 Conforming Loan Limits For Idaho Counties

County Name	1 Unit	2 Units	3 Units	4 Units
ADA	$806,500	$1,032,650	$1,248,150	$1,551,250
ADAMS	$806,500	$1,032,650	$1,248,150	$1,551,250
BANNOCK	$806,500	$1,032,650	$1,248,150	$1,551,250
BEAR LAKE	$806,500	$1,032,650	$1,248,150	$1,551,250
BENEWAH	$806,500	$1,032,650	$1,248,150	$1,551,250
BINGHAM	$806,500	$1,032,650	$1,248,150	$1,551,250
BLAINE	$806,500	$1,032,650	$1,248,150	$1,551,250
BOISE	$806,500	$1,032,650	$1,248,150	$1,551,250
BONNER	$806,500	$1,032,650	$1,248,150	$1,551,250
BONNEVILLE	$806,500	$1,032,650	$1,248,150	$1,551,250
BOUNDARY	$806,500	$1,032,650	$1,248,150	$1,551,250
BUTTE	$806,500	$1,032,650	$1,248,150	$1,551,250
CAMAS	$806,500	$1,032,650	$1,248,150	$1,551,250
CANYON	$806,500	$1,032,650	$1,248,150	$1,551,250
CARIBOU	$806,500	$1,032,650	$1,248,150	$1,551,250
CASSIA	$806,500	$1,032,650	$1,248,150	$1,551,250
CLARK	$806,500	$1,032,650	$1,248,150	$1,551,250
CLEARWATER	$806,500	$1,032,650	$1,248,150	$1,551,250
CUSTER	$806,500	$1,032,650	$1,248,150	$1,551,250
ELMORE	$806,500	$1,032,650	$1,248,150	$1,551,250
FRANKLIN	$806,500	$1,032,650	$1,248,150	$1,551,250
FREMONT	$806,500	$1,032,650	$1,248,150	$1,551,250
GEM	$806,500	$1,032,650	$1,248,150	$1,551,250
GOODING	$806,500	$1,032,650	$1,248,150	$1,551,250
IDAHO	$806,500	$1,032,650	$1,248,150	$1,551,250
JEFFERSON	$806,500	$1,032,650	$1,248,150	$1,551,250
JEROME	$806,500	$1,032,650	$1,248,150	$1,551,250
KOOTENAI	$806,500	$1,032,650	$1,248,150	$1,551,250
LATAH	$806,500	$1,032,650	$1,248,150	$1,551,250
LEMHI	$806,500	$1,032,650	$1,248,150	$1,551,250
LEWIS	$806,500	$1,032,650	$1,248,150	$1,551,250
LINCOLN	$806,500	$1,032,650	$1,248,150	$1,551,250
MADISON	$806,500	$1,032,650	$1,248,150	$1,551,250
MINIDOKA	$806,500	$1,032,650	$1,248,150	$1,551,250
NEZ PERCE	$806,500	$1,032,650	$1,248,150	$1,551,250
ONEIDA	$806,500	$1,032,650	$1,248,150	$1,551,250
OWYHEE	$806,500	$1,032,650	$1,248,150	$1,551,250
PAYETTE	$806,500	$1,032,650	$1,248,150	$1,551,250
POWER	$806,500	$1,032,650	$1,248,150	$1,551,250
SHOSHONE	$806,500	$1,032,650	$1,248,150	$1,551,250
TETON	$1,209,750	$1,548,975	$1,872,225	$2,326,875
TWIN FALLS	$806,500	$1,032,650	$1,248,150	$1,551,250
VALLEY	$806,500	$1,032,650	$1,248,150	$1,551,250
WASHINGTON	$806,500	$1,032,650	$1,248,150	$1,551,250